What Insurance Covers May I Require?

If you can, we look to combine covers under one homeworkers policy. Like a standard household policy we’ll include your personal contents, buildings (if owned) and standard Public Liability cover. In addition to this Working From Home policy’s can include the following:

• Business Public Liability Insurance – Covering injuries or customers coming to your home, or third party property damage whilst operating as the business.
• Employers Liability Insurance – Many people just work alone at home, but if anybody works for you, full or part time, you legally have to have Employers Liability cover in place for them.
• Business Contents & Equipment Insurance – If you use a computer, mobile phone, kitchen or any other equipment for your business a standard home insurance policy will normally exclude these items, but a Homeworkers policy can include these business items.
• Business Interruption – Loss of income from an insured peril stopping you to work from home. E.g you sustain an office fire.
• Professional Indemnity Insurance – Gives you cover against you making a mistake in advice given or service provided which costs your customer money. You could find yourself sued for compensation and without this cover, expert legal support to defend a claim could be very costly.
• Vehicles & Goods In Transit Insurance – If you use a car or van for your work or to visit customer you must ensure the use on your vehicle insurance is correct. A car insurance policy will need at least Class 1 Business use, speak to your insurance broker for advice. In addition you may want to insure any goods carried. A Goods In Transit policy may be required.
• Products Liability Insurance – If a product you’ve made and supplied causes injury or third party damage, you could end up footing the bill. With Products Liability cover, you’ll have peace of mind you’re covered.
• Personal Accident Insurance – If you business relies on you, then you need to consider how your income would be affected if any injury or illness leaves you unable to work. A Personal Accident Insurance policy would pay your wage until you recover, limits apply.
• Travel Insurance – If you travel around the UK, Europe or over the world you will need travel insurance. You may also need to upgrade to a business travel policy, which gives you extra covers including business equipment.