Home Office Insurance

With more and more people working from home, the `home office' has become an important place of work. But whilst working from home has some great advantages, some of us may overlook some important aspects.

One of these is the need for separate business insurance to cover your office equipment or stock. Don't assume that your home-workers activities and related equipment will be covered by your home insurance policy, which is designed to protect your domestic space and personal items only. In fact, failing to inform your home insurance company that you are conducting a business from your domestic premises could leave your entire home uninsured.

Working from home?

You need separate business insurance

Home Office Insurance or Home Working Insurance is to cover all equipment used in the home for business needs and also covers liability for any employees and customer who may need to come in to the workers home.

There is also the option to pay by Monthly Direct Debit.

All risks cover
Replacement value on contents and stock on market value basis
Contents cover includes documents, disks, tapes and electronic office equipment
Damage to signs
Loss or damage to goods in transit in your own vehicle
Replacement of locks and keys following
theft
Loss of money
Loss of freezer contents
Loss of contents
Loss or damage to contents while providing
outside catering
Accidental breakage of fixed glass and
sanitary fixtures
Loss of metered water
Assault to you or employees following
robbery or attempted robbery
Death
Total loss or permanent and total loss of one
or more limbs
Loss of sight
Temporary total disablement
Damage to clothing and personal effects

Loss of business income resulting from
damage covered under contents
Cover for outstanding debts
Loss of business income resulting from
damage to suppliers
Loss of business income resulting from denial of access to premises due to damage in the
locality
Loss of income as a result of murder/suicide
at the premises or human disease
Employers liability
Public liability
Products liability
Cover for legal costs in respect of prosecutions under Health and Safety
Personal liability whilst abroad
Legal liability incurred as tenants
Indemnity to principle
Compensation for required court attendance
Claims made during period of insurance
Contract disputes
Employment disputes
Criminal prosecution defence
Property disputes
Data protection/Tax protection
Statutory licence appeals for working from home