Home business insurance
Specialist cover for a wide range of home businesses from as little as £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 - does this cover my 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 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.
What's the difference between professional indemnity and public liability?
Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.
Public liability insurance is different - it 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.
As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.
I need to arrange insurance to start work - do you provide proof of cover?
Yes. We provide a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) as part of the documents that are emailed to you if you purchase your policy with us. You can present this document to agencies and clients as proof that you are insured.
What limit of cover should I choose?
Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits, so you're sure to find the right cover for your business.
Why should I insure with Markel?
Established over 25 years ago, we've gained an unrivalled understanding of the risks facing professionals and our policies are specially designed to protect you.
We're regulated by the Financial Conduct Authority and Prudential Regulation Authority, and you can view our details on the Financial Services Register. We're a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of $1.2 billion in 2014.
Still not sure? Call us on 0845 688 2500 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your business. Alternatively, get an online quote in 90 seconds now and call us later if anything needs clarifying.
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.