Working from home and homeworker insurance

Specialist cover for professionals based at home from as little as £5 a month

  • Fast, easy online quote in 90 seconds

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  • No hidden fees or cancellation charges

Working from home carries many unique risks, so it is vital you are properly insured.

As a specialist insurer with over 25 years experience insuring professionals, we have designed our homeworker insurance policies to cover the risks facing home-based professionals.

Unlike many insurers that offer a ‘one size fits all’ policy for both homeworkers and office based businesses, we offer separate, specialist homeworker policies that can be tailored to the specific risks facing your home business. Without specialist homeworker insurance, a mistake in a piece of work, damage you cause to a client’s property or the theft of a laptop could cost your business thousands of pounds.

If you are unsure which covers your business needs, we can help you tailor your homeworker insurance. Our simple quote system allows you to choose the cover you want at a premium you can afford.

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Cover starting at just £5 a month

Tailor your homeworker insurance with these specialist covers

  • Professional indemnity insurance

    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 homeworkers and insurance cover is available with limits ranging from £50,000 to £5m.

  • Public and product liability insurance

    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

    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

    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.

  • Office insurance

    Home office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. 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.

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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.

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  • 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.

Our policies offer truly specialist cover for professionals working from home

It is a common misconception that home insurance policies include cover for business activities undertaken at home. In fact, very few do. Our homeworker insurance can offer truly specialist cover that can cover your liabilities as a business, as well as any expensive business equipment kept in your home office, in a single comprehensive policy.

As your business grows, you will have the convenience of being able to adjust your policy at any time online. You can add cover and increase limits in a matter of minutes.

With flexible payments methods, including the option to spread the cost of your policy over 10 interest free instalments, you are guaranteed to find expert cover at an affordable price.

Cover starting at just £5 a month