The continuous growth in modern technology is enabling more people to work from home.
Whether you run your own business from home, or work flexi-time from home for your employer, we can provide insurance that is tailored to your exact requirements.
From a simple liability cover to protect you if someone was injured whilst visiting your premises, to a more comprehensive working from home policy, we can find the correct cover for you.
In addition, we can offer optional extras that extend your cover to include business equipment, laptops, computers, telephones, general contents, office furniture, trade samples and deeds/documents, employers liability. Cover can even include your home insurance.
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It depends on the type of household policy you have. If you have a standard household insurance policy, it is highly unlikely you will have certain vital business insurance covers, such as professional indemnity insurance and public liability insurance, as part of it. You may already have cover for certain business equipment – for example, a laptop – if you work from home and have covered these items as part of your household contents insurance. We would recommend checking your household policy to be sure of exactly what cover you have.
If you have to alter your policy as a result of working from home, the policy may become more expensive as a result of the additional cover. However, it’s certainly not set in stone. Some people see their premiums fall in price, as the property is rarely left empty.
You may also need to look into public liability insurance if you run a business where people will be visiting you at your home. This is a type of insurance policy which covers any costs which may arise if someone else suffers an injury on your premises, as well as any legal fees you may need to pay if defending yourself against a claim.