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Home Office Insurance
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What is cheap home office insurance?
Having a home office can make working from home a much simpler experience. Whether you are a full-time home-based worker or simply use your home office for occasional tasks, it’s important to make sure that you have cheap business insurance.
When it comes to home office insurance, there’s a lot to think about. Not only should you protect the contents and equipment in your study, but you’ll also need to think about protecting any staff or clients who might be visiting too.
Who needs it?
The best way to work out if you need to get the cover is to think about the types of risk you may be dealing with in the running of your business:
Home office contents insurance
If you rely on expensive office equipment like computers, printers or scanners to run your business, it’s important to have the right insurance in case you need to replace these items. If you are the victim of a burglary and your office contents are stolen, your standard home insurance policy may not cover these losses.
Public liability cover
If you receive visits from customers or clients at your home office, it’s a good idea to take out public liability insurance. This protects you financially if a third party is injured or their property is damaged while on your premises.
For example, if a client visits your home office and trips on the step, injuring their ankle, you could find yourself defending a compensation claim. Public liability insurance will cover your costs in these cases.
Business interruption insurance
Business interruption insurance covers you for lost income and any increased costs associated with working, for example, if you have to rent temporary office space.
Professional indemnity insurance
Many self-employed home-workers take out professional indemnity insurance. If, during your work, you provide a service or advise a client in a way which subsequently harms them financially or causes them a loss, then you could be held liable.
Professional indemnity cover provides you with a financial safety net if anything goes wrong professionally.
Frequently Asked Questions
Will my home insurance cover my home office?
Most home insurance policies will exclude any area or contents associated with business use, so it is wise to speak to your insurer about specialist business insurance for your home office.