Many modern professionals now work from home, many being self-employed, with a need for the specific insurance.
A typical comprehensive home-office insurance policy will be able to provide:
Home-office contents (including the personal effects of employees or visitors)
Computers permanently in the home-office
Portable computers used in and out of the home-office
Reconstitution of data used in your home-office
Business money in or in transit to/from your home-office and associated personal assault
Glass throughout your home-office
Loss of Rent payable to the owner of the home-office’s premises
Damage by theft to the home-office’s buildings
Loss of Income directly attributable to damage at your home-office
Employers’ Liability if required by the Employers’ Liability Compulsory Insurance Act
Public Liability
Products Liability
Professional Indemnity
Please note it is important that any home-office business advises its Household Buildings and Contents insurer(s) that they are working from home – typically insurers will exclude any aspect relating to the business operation, hence the need for basic and more advanced office-at-home insurance.
Premiums start from just £250 upwards and tend to be very competitive.
You may choose the particular sections of cover that you require for your particular circumstances.
Premiums may often be paid by instalments, some insurers offering interest free. |
