Working from home insurance

Protect your home business

Running a business from home may seem less risky than commuting each day and working in different places; however this doesn’t mean you can rest easy when it comes to business insurance. Whatever your trade or profession, there will be risks involved and you will need to protect against these to ensure the safety of your clients, employees and anyone else in connection with your business.

Many people are under the impression that their business contents are covered by their home insurance; however this is generally not the case. Most home insurance policies exclude business activities, which means it is even more critical to get comprehensive working from home insurance.

Working from home insurance can cover a range of exposures, including liabilities, assets and legal expenses cover. All of which can be tailored to your individual business needs to give you peace of mind to work without worry.

Liability insurance for home workers

If you have clients or suppliers visiting your home, then your working from home insurance will need to include public liability insurance to safeguard your business if a client were to sustain an injury as a result of an accident at your premises. As careful as you may be, accidents do happen, and injury claims can be costly, so adding public liability insurance to your insurance policy is essential.

If you are working from home and employ staff, then employers' liability is legally required to protect your employees against accidents that may occur during the course of their employment. Public liability and employers' liability insurance can typically be combined to make up part of your working from home insurance.

Commercial legal expenses should be considered to cover against tax and VAT disputes, employment disputes and compensation awards, as well as jury service allowance.

The nature of your trade will govern the other covers that would be relevant to you. For instance, if you are producing a product from home, whether its cakes, curtains or cabinets, you will need to consider product liability insurance to cover you if your product caused injury or damage to one of your customers. For instance, if you accidentally gave someone food poisoning, your product liability insurance would protect you.

Professional indemnity for home workers

If you’re involved in design work, providing advice or in a service led industry, then professional indemnity insurance should be a key consideration. If the advice you gave caused a client financial loss then you may be liable to pay compensation. Professional indemnity insurance for home workers can give you peace of mind knowing that should something unexpected happen, you’re protected.

Compare working from home insurance

Whatever your working from home insurance needs, we can help arrange the right working from home insurance for you, letting you focus on what really matters – your business. Get comparative quotes online or if you're not sure what you need call our advisors today for professional recommendations that are tailored to you.