Home Business Insurance

Insurance for Home-Based Businesses

Running a business from home introduces unique risks that may not be covered by standard home insurance. Home-based business insurance can help provide dedicated protection for those operating from a domestic address, whether part-time, full-time, or on a freelance basis.
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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

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Why Choose Us for Home Business Insurance?

Access to multiple leading UK insurers
Flexible policies for various industries and risk profiles
Simple comparison to help you find suitable cover
Can support businesses of all sizes, from part-time traders to full-time operators
Can offer advice on tailoring policies to your home working setup
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What Is Home Business Insurance?

Home business insurance is designed for people who operate their businesses from home. It can help cover business-specific risks that home insurance may not protect against, such as public liability, professional equipment damage, and stock loss

Who May Need Home Business Insurance?

A wide range of home-based professionals and business models could benefit from home business insurance, including:

  • Freelancers working from home
  • Online retailers and e-commerce businesses
  • Home-based consultants and advisors
  • Creatives and designers
  • Tutors and home-based educators
  • Cake makers and craft businesses
  • Therapists with home-based practices
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What Can Home Business Insurance Cover?

1. Public Liability Insurance

Public liability insurance can help protect against claims of injury or property damage caused to visitors or clients at your home premises.

2. Employers’ Liability Insurance

Employers’ liability insurance can help provide cover if an employee, volunteer, or apprentice is injured or becomes ill while working for your business.

3. Professional Indemnity Insurance

Professional indemnity insurance can help cover claims of negligence, errors, or poor advice provided during your professional services.

4. Business Equipment Insurance

Business equipment insurance can help protect laptops, tools, specialist equipment, and other essential assets used for work.

5. Stock Insurance

Stock insurance can help cover the cost of replacing goods and inventory stored at your home in case of theft, damage, or loss in transit.

FAQs

It is not legally required, but certain covers, such as employers’ liability insurance, are compulsory if you employ staff. Public liability insurance and professional indemnity insurance can also be contractually required by clients.

Most standard home insurance policies exclude business-related risks. Dedicated home-based business insurance can help cover these specific exposures.

Yes, stock insurance can help protect against theft, fire, and other damage to products and materials stored in your home.

Cyber insurance can be included to help protect your business from cyber-attacks, ransomware, and data breaches.

If clients or members of the public visit your home, public liability insurance can help protect against claims for accidental injury or property damage.

START YOUR QUOTE CALL US
OR CALL 0330 054 0545
START YOUR QUOTE OR CALL 0330 054 0545

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