Think about it: client visits, business equipment, and possibly even stock storage all add new dimensions of risk that make insurance providers raise their eyebrows. It’s not that they’re being difficult; they’re just acknowledging that your home is now wearing multiple hats.
This category covers any beauty-related services offered at your home, including:
You can welcome up to two guests per bedroom, but make sure your insurance knows about your hospitality dreams.
Our coverage typically extends to up to 16 children on premises at any time – though anything beyond that needs special consideration.
“But what exactly counts as clerical work?” you might ask. This broad category includes:
This delightfully diverse category encompasses:
Providing care for children placed by local authorities or agencies? This category is specifically for foster carers working through official channels. Note that this differs from childminding services.
Running short-term lets through platforms like Airbnb? This is your category. While similar to B&B, this covers more flexible hospitality arrangements and short-term rental setups.
This category extends beyond traditional medical services to include various health and wellbeing practices:
Teaching or mentoring from home? This covers any educational services you provide, including:
Don’t see your business type listed? Select this category and we’ll work with you to understand your specific setup. This ensures we can properly assess your insurance needs even if your business is unique.
Here’s some good news – there’s typically no strict limit on client visitors. However, each situation is assessed individually, considering factors like frequency and purpose of visits.
“But I work alone!” you might say. Here’s the thing – you don’t count as an employee of your own business. However, if you’re planning to hire help, know that coverage typically extends to up to two employees.
Equipment like computers, printers, and phones can be covered, along with business stock, up to a combined total of £5,000. Note that this equipment cover is for basic office items only – specialised business tools usually need separate business insurance.
You’ll need to be specific about what equipment you’re storing and where, as standard office equipment is covered differently from specialised business tools.
Keep in mind: If you store any business-related cash at your property, you’ll need to let us know about this during your quote, including how much and where it’s kept.
When it comes to outbuildings (such as sheds, garages, or greenhouses), here’s what you need to know:
Let us know if these standard limits are sufficient for your needs
While your homemade condiments don’t count as “naked flame” usage, activities like metal work or welding need special consideration. The same goes for storing flammable materials – in most cases, you’ll need to meet the required storage facilities.
Running a business from home is exciting, but it comes with responsibilities. The right insurance coverage isn’t just a legal box to tick – it’s your safety net, allowing you to focus on what you do best: growing your business.
Remember, every home business is unique. While this guide covers the basics, it’s always worth having a chat with us, where we’ll do our very best to tailor coverage to your specific needs. After all, your home business deserves protection as unique as your entrepreneurial spirit.
Ready to take the next step? Get a quote today and discover how we can protect your home business with the right coverage. We’ll help ensure you’re properly covered while keeping those business dreams alive and well – right from the comfort of your home.
This article looks at why you need to make sure you have the right business at home insurance in place.