Compare Home Based Business Insurance Quotes
The government estimate that there are 2.9 million businesses operating from home in the UK. If you’re one of them – well done for escaping the rat race! However, one element that’s often forgotten is business insurance cover and that’s where we come in!
Our team of expert advisors will help you understand your specific risks and compare home based business insurance quotes from up to 10 of the UK’s leading insurers so that you can find the right cover at a price that won’t break the bank.
Does a Home Based Business Need Insurance?
This is a common question and the short answer is normally yes, but it very much depends on what your business is doing. If you work from a home office, chances are you will have business contents (desk, chair etc.) computer equipment and even stock, which will need to be protected against perils such as fire, flood or theft.
If your business employees staff, whether they are based at your home or working remotely, then you are legally required to arrange employers liability insurance which provides cover for claims received from employees for injury or illness as a result of their employment. A common claim for homeworkers is repetitive strain injury (RSI) as a result of using unsuitable equipment.
In addition, if your travel from home to client premises, or if you have any visitors to your home you should consider public liability insurance cover – legal liability for injury to clients or members of the public such as slips, trips or falls.