Do I Need Business Insurance If I Work From Home?

If you work from home in the UK, you may need business insurance depending on your specific situation. Here’s what you need to know:

For Remote Employees

If you’re an employee working remotely (for example, if you’re a full-time office worker who now works from home), typically:

• Your employer’s insurance should cover company-provided equipment like laptops and phones
• Your standard home insurance may be sufficient, but you must inform your insurer about your home working arrangement
• Check with your employer about their insurance coverage for remote workers

💡 Example: If you’re a marketing manager working remotely for a London-based company, your work laptop and phone should be covered by your employer’s insurance. However, you should still notify your home insurer that you’re working from home to ensure your home insurance remains valid.

When You Definitely Need Business Insurance

You need dedicated business insurance if you:

• Store valuable stock or materials at home (such as if you’re a craftsperson or retailer)
• Use specialised equipment worth more than your home insurance’s single-item limit
• Have clients or employees visiting your home
• Take business equipment outside your home regularly

Equipment Coverage

For basic equipment like laptops and phones:

• If you’re an employee, your employer’s insurance should cover company-provided equipment
• If you’re self-employed, check if your home insurance provides adequate coverage
• Consider additional business contents insurance for specialised or high-value equipment

Next Steps

Contact your current insurer to:

• Declare your home working status
• Understand your current coverage limits
• Identify any gaps in protection that need addressing

Have unanswered questions? Chat to us today to discuss your unique situation – We’re here to help!