Home business insurance
As a specialist insurer, we understand the unique risks facing home businesses. Our home business insurance can offer you expert cover tailored for your individual business' needs.
Unlike many insurers who adopt a ‘one-size-fits-all’ approach, we offer a specialist policy for home businesses that is seperate from our standard 'office based' insurance. An error in your work, damage you cause to a client’s property or the theft of an expensive laptop could cost your business thousands of pounds. Our specialist home business insurance can cater for these risks.
If you are unsure which covers your home business needs, we can help you tailor your insurance policy. Our simple quote system allows you to choose the cover you want at a premium you can afford.
Tailor your home business insurance to your needs with these covers
Professional indemnity insurance
covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and any compensation or damages subsequently awarded against you. This is vital protection for all home businesses and insurance cover is available with limits ranging from £50,000 to £5m.
Public and product liability insurance
covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. This is an important cover if you regularly deal with clients or members of the public. Limits range from £1m to £5m.
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. Regardless of the industry you work in, if your business employs staff, you need this cover. Cover for £10m.
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
Home office insurance covers your office contents and computer equipment against accidental damage (including theft) whilst in your home office. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
We offer truly specialist insurance for home businesses
Many home business owners assume their business is covered as part of their home insurance. The reality is that very few policies, if any, will include cover for any mistakes you make in your work. Our home business policy offers expert insurance for your business that can be tailored to cover your business' liabilities, as well as your home office contents, in one comprehensive policy.
As your home business changes, you will have the convenience of being able to change your policy online at any time. You can increase limits for new contracts, add cover if you employ staff and cover your personal liabilities if you become a director.
Our home business insurance starts at just £5/month, with the option of spreading the cost of your policy over 10 interest free payments.