Holiday let insurance
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If you work from home, you need the right insurance for your home-based business.
When finding home insurance quotes, you’ll be asked if your home has ever been used for business or professional purposes. You’ll be given the choice of three options:
If you’re not sure how to define your home working situation, get in touch with your insurance provider who can help you.
If you work remotely from home for an employer, and your property is not used for any other home business use, you may need to liaise with your home insurer to check you have the level of cover you need.
If clients regularly visit your home, you might need cover for injuries or damages they suffer while on your property, so you may need public liability insurance as part of your policy.
Equipment owned by your employer used to help you work remotely, will not need to be listed under your home insurer, as it will likely be covered by your employer’s own business insurance cover.
If you’re using your own computer, printers or other equipment to work remotely, you’ll need to insure these items yourself or risk paying for repairs and replacements yourself if they’re lost or damaged.
If you’re a contractor, freelancer, or self-employed and use your home as a business premises, you’ll need insurance that protects you, your equipment, your employees and your clients or customers.
The range of cover you may need includes:
Business equipment won’t be covered under a home buildings or contents policy, so you need something more specialist:
That applies even if you’re an Airbnb host.
Because every business has its own unique cover requirements, business insurance policies are made up of the elements relevant to that specific business – you can pick and choose the cover you need.
So if you work from home and need to cover business valuables that you keep there, you can add it to a business policy, along with other elements you might need such as public liability, employers’ liability or something like tool cover.
If you’re something like a professional potter or carpenter and you have a workshop in your house, this might fall under other business use.
If you’re not sure how to define your home working situation, get in touch with your insurance provider who can help you.
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