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A guide to home based business insurance
Home based business insurance provides many benefits, although the convenience does not come without risks. Every business which is run from home could benefit from home working insurance. This quick guide will provide you with more information about work from home insurance and how you can stay protected.
What is work from home insurance?
Working from home insurance is designed to provide you with peace of mind and the financial support you may require. Work from home claims could arise from a variety of reasons, as it is impossible to eliminate every risk. There are a variety of policies available, which could provide the home working insurance protection you require. For example:
Employers liability insurance
Although you may operate a small home-based business, if you employ one or more people legally you will need this insurance. If your employee makes a claim after becoming ill or injured while working for you, this will cover their claim.
Public liability insurance
If a member of the public is injured a result of your business activities, this cover is ideal.
Professional indemnity insurance
If your clients suffer a loss as a result of a service you provide, this insurance will compensate them.
Contents insurance
This is particularly important if your home insurance policy does not cover equipment owned by your business. For example, if your laptop is stolen, this will provide the compensation you need to replace it.
Product liability insurance
If a product you supply, manufacture or design is found to be faulty, this liability insurance will provide compensation.
Do I need home working insurance?
The requirements for insurance extend across many home-bases businesses, from Airbnb hosts to beauticians. No two home-based businesses are the same, so each business will require a different level of protection. You may be covered by your home insurance, or you may need a policy which includes a variety of the above insurance types.
There are many reasons why you may require specific home working insurance, for example:
Your business employs staff.
Your customers visit your home more than once a month.
There is a risk of your business activities injuring a member of the public or damaging their property.
You offer advice or a service which could result in a legal claim being made against your business.
You hold stock for your business which would need replacing if they were damaged or stolen.
Your premises are at risk of being damaged by a flood, fire or other emergency situation.
How do I find the best working from home insurance?
Whether you are a contractor, freelancer or the self-employed owner of a small business, we can help you find the best deal. We can help you find the cheapest working from home insurance, without having to cut the features of your policy. To begin, simply complete our quick online form, which will provide us with an insight into your business requirements.
Your home-based business may not fit the usual mould, so we can also help if you require bespoke work from home insurance. Our insurance experts will take the time to get to know your business, so that we can arrange the best deal for your unique requirements.
Once we receive the quotes from our panel of trusted business insurers, you will be able to easily compare their quotes. By comparing key policy features and the premium price, you will find the best insurance for your home-based business. We will then guide you through purchasing you business insurance policy.
To find out more about working from home insurance implications and the cover you require, please contact our team.
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