If you are a homeworker and require insurance for your home buildings and contents, you may well find that your existing insurance company are very reluctant to quote. In many cases, once you report to your insurers that you are working from home, they may wish to cancel your policy.
There are several reasons for this attitude; most home insurance policies exclude all forms of business activity at the home address (some will allow clerical use only) as they are worried that the business activities may bring members of the public in to your property, which can have public liability implications and may increase the risk of having items stolen from the home.
Insurance for a home business
At Assetsure, we have a home insurance policy where, providing you inform us with full details of any business you are undertaking at your home,we will provide you with cover. We can cover both buildings and contents and in most cases can include an extension to include your business contents and stock. If you require a quotation, for home workers insurance please telephone our office, where on full receipt of your details we will endeavour to provide you with a quotation.
Some of the homeworkers insurance risks we will consider include any type of office or professional risk, at home hairdressers and beauticians and persons running consulting business.
We will however not be able to assist you with professional indemnity insurance which you will need to arrange elsewhere as well as general public liability insurance.