Home business insurance
Expert home-based business insurance tailored to you from just £5 a month.
Fast, easy online quote in 90 seconds
Interest free direct debit
No hidden fees or cancellation charges
Cover starting at just £5 a month
Cover starting at just £5 a month
Frequently asked questions
I already have household insurance – do I need separate insurance for home business?
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 essential home business insurance cover included - such as professional indemnity insurance and public liability insurance.
You may already have cover for certain business equipment under your standard policy, such as a laptop. We would recommend checking your policy to be sure of exactly what cover you have before applying for insurance for home business.
Do I have to pay business rates for working from home?
If you use a small part of your home (e.g., a spare bedroom or home office) to run your business or sell goods by post, you don’t usually have to pay business rates.
Running a business under any of the following circumstances may require you to pay business rates:
- your property is part business and part domestic
- you sell goods to people visiting the property
- you have employees working from your home
- you’ve made changes to your home specifically for your business.
What's the difference between professional indemnity and public liability?
Professional indemnity insurance covers against allegations of professional negligence. It would cover your business if you were to make an error or mistake in a piece of work for a client.
Public liability insurance covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.
It’s vital that you consider arranging both types of cover to ensure you are properly protected against each potential outcome.
I need to arrange home business insurance to start work - do you provide proof of cover?
Yes. We immediately provide a dedicated 'Confirmation of Liability Insurance' document that details the cover you have with us. This will be included as part of the documents that are emailed to you if you purchase your policy with us and can be presented to agencies and clients as proof you're insured.
What limit and type of cover should I choose?
Professional bodies and prospective clients may need you to have a minimum level of cover before you can start work with them. That’s why it’s worth checking before you arrange cover.
If you haven’t arranged cover before, or are unsure what the costs might be, think about a hypothetical worst-case scenario and the cost of putting your mistake right. We’re more than happy to talk you through the options - please get in touch via 0800 640 6600 or email email@example.com.
Why should I choose Markel’s insurance?
Markel has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.
We are a division of Markel International, a Lloyd’s and London market insurer that wrote gross premium totals of $1.2 billion in 2018.
To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.
How are Markel regulated?
Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which you’ll find on the Financial Services Register.
Expect more from your home business insurer.
When you take out cover with Markel, you receive these exclusive services as standard: