The majority of home-based business owners, and people who work from home, assume that their home insurance will also cover their home-based business activities.
This is not true – your home-based business activities can actually void your home insurance. If you use your home to operate a home-based business, or for other purposes that your insurer is not aware of, then this may invalidate your policy.
You should ensure that you take out a buildings and contents insurance policy which is specifically aimed at people with a home-based business.
We have some household insurers who will consider your application if you operate a business from your home, or if you work from home.
We work with specialist insurers to find a buildings and contents insurance policy for you.
What we need to know
Our specialists will need to know details of your circumstances and your property, and so it is helpful if you are able to have this information to hand.
They will want to know details about:
the type of business you are running
details of any equipment and computers that will be kept at your property
details of any equipment which will be taken outside of your home, such as a laptop.
Our home insurance specialists will then use their expertise to hopefully find you some buildings and contents insurance.
