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
Interest free direct debit
No hidden fees or cancellation charges
Cover starting at £5 a month
Cover starting at £5 a month
Frequently asked questions
Does my home insurance cover my garden office?
If you use a garden office for recreational use, your home insurance package should provide the cover you need. However, if you use it for business purposes, you may require commercial cover in the form of homeworker’s insurance.
Do I need business insurance if working from home?
Yes, regardless of whether you work from home or not, if you work as a contractor, freelancer or if you run an SME, charity or community group, you should have the appropriate insurance in place.
For example, you may require employers’ liability insurance if you have employees, public liability insurance if you come into contact with members of the public or professional indemnity insurance if you provide advice or a professional service.
At Markel, we can create a home worker’s insurance package that is tailored to your specific needs and covers the risks you face.
Does working from home affect my car insurance?
If you use your own car in the course of your business activities, you might need to amend your car insurance to cover the miles you travel on top of non-work driving.
Your current policy may only cover social, domestic and pleasure (SDP) use, also known as ‘social only’ use. This covers things like going shopping, visiting family and friends and going on days out. You may also have cover for social, domestic and pleasure including commuting (SDP+C) use.
Some comprehensive policies cover business use as standard but you should check your policy. If you drive for business reasons, for example to deliver an order to a customer or to go to a client meeting, and you don’t have suitable cover in place, you’re breaking the law and risk being fined and getting points on your licence. You could even be disqualified from driving.
Do I have to tell my insurer I work from home?
It’s important that your home insurer has as full a picture as possible of your circumstances so it’s a good idea to tell your insurer if you work from home, even if it is just on a part-time or occasional basis. You must tell your insurer if any of the following apply:
- You’ve moved a business to your home or are planning to
- You make, sell or store goods at your home
- Members of the public visit your home for business reasons
- You’ve adapted your home for business purposes
- You’ve purchased equipment that belongs to your business
Does home insurance cost more if you run a business from home?
If you run a business from home, your insurer will need to take this into consideration when calculating the cost of your premium. You may find that your premium increases, especially if you have regular visitors to your property for business purposes or you store valuable goods or hazardous equipment for work at your home.
What’s considered ‘business use’?
Business use is usually defined as any activity performed in a repeated or continued way for financial gain.
How is Markel regulated?
Markel is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (FCA registered number 202570). You can find out more on the Financial Services Register.
Specialist services available to Markel policyholders
Our policyholders receive access to these unique services designed to make your life easier (included as standard with certain covers).
24 hour legal advice helpline
When you insure with Markel, you'll benefit from 24/7 telephone access to a qualified solicitor at no additional cost. Expert legal advice can be costly when you're working for yourself and it's difficult to know who to turn to for a trustworthy answer. Whether it's a question on health and safety, employment law, legal structures for your business or how to handle a difficult client, an experienced team of solicitors are on hand day and night to help you with any business-related legal queries. Included as standard with all policies.
Markel Law Hub access
In addition to our 24 hour legal helpline, you'll have access to the Markel Law Hub - an award winning online resource of legal and business guides, templates and content written and created by our team of expert solicitors. Instantly download ready-made contracts, policies, procedures and guidance you can use for your business - without paying any expensive legal fees. Included as standard with all policies.
Fee dispute service
Customers don't always pay on time and chasing fees or invoices costs time and money. Mindful of the impact this has on your business, we offer our policyholders access to a unique fee dispute helpline operated by one of the UK's leading law firms, who will provide specialist legal guidance and support on fee dispute issues. Included as standard with professional indemnity insurance.
Discounted IR35 contract reviews
Falling within IR35 legislation - which determines that an individual is avoiding tax by using a limited company to disguise employment - is a huge concern for contractors and consultants, with the fees and penalties due to HMRC eye-wateringly high. Our policyholders receive an exclusive discount on IR35 contract reviews from Markel Tax (a Markel company), who have over 20 years experience advising individuals and businesses on their tax status. As part of the service, Markel Tax will review your contract, along with your working practices, to determine whether or not you are operating outside of IR35, and you'll receive a written report with suggested contract amendments where appropriate. Policyholders can access this service by calling 0345 223 2727 or emailing firstname.lastname@example.org, quoting 'MKLD' and your policy number.
Public relations crisis management service
In today's 24 hour news culture, public relations disasters can occur at any time. Having to deal with the press whilst managing a difficult situation can be hugely stressful as well as being a potential minefield. When there is a risk to your business as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. Included as standard with professional indemnity insurance, directors and officers insurance, cyber and data risks insurance and legal representation and employment disputes insurance.
Cyber response helpline
If you're the victim of a targeted cyber attack, our cyber response helpline provides access to specialist solicitors and information security experts who will give expert legal and technical IT security guidance on the issues arising from cyber and data protection risks. Included as standard with cyber and data risks insurance.