Millions of people have their business based at their home, or are "mobile" or are based at their customer's premises..
These include clerical type occupations (such as accountants), builders who use their home computer and telephone, hairdressers (including "mobile") and many, many more.
A large number of these cover their business equipment (such as the computer) under their home insurance. You are strongly recommended to advise your home insurers that you are running a business. However, there are many risks associated with running a business which are not normally covered under a home insurance policy.
Other insurance available for a small business are:-
- Book Debts
- Business Interruption to cover income and additional expenses (the best type) or additional expenses only (the cheaper type)
- Cost of reinstating documents and computer records
- Employer's Liability
- Hairdressers Indemnity
- Legal expenses
- Products Liability
- Professional indemnity:- Cannot be included within this sort of policy, but please click here if you are a professional and offer advice, such as Accountant, Architect, Consultant (almost any type), Legal Advisor, Surveyor, Web Designer etc.
- Public Liability
- Products Liability
- Employer's Liability
- Stock
- Tools and portable equipment used away from home
Additionally, a home policy may not be satisfactory where there is a lot of business equipment because, where covered at all, there is often a limit.
We have several different solutions depending upon your requirements and occupation and can sometimes also include your home contents and buildings within the same policy.
If you would like us to supply a quotation, please complete the following form.
Please fill out the form to obtain a quotation. This form works with Google "AutoFill".
Some assumptions have been made. Please click here to see what they are.
