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.
If your business is purley administration or office based then most insures will be fine with this, but if you have people working with you, or your business involves customers, clients or other people into your home then problems can arrise.
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.