Home workers pay little attention to core business needs such as working from home insurance, by relying on home contents and buildings insurance for cover. It is true that in the past insurance companies were slow to catch up with the growing trend of people working from home, by greatly differentiating between home and business insurance. Increasingly though with the advanced use of computers it is hard to draw the line between different policies.
Including business equipment in a home insurance policy is often not the best way forward as you might fail to fully disclose why you need the equipment, their importance to your business and the nature of your business itself. Running a home business without any form of business insurance can be risky.
It is therefore advisable that you purchase a tailored home worker insurance package, tailored to individual needs. Protect your core business assets such as equipment and building contents is vital. You could also have client injury cover and insurance for business interruption.
Metcalfe Insurance Services has designed a home business cover that insures your business without affecting your home insurance policy.
Choose from a menu of covers such as:
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