Home Insurance for self employed?

brendangallagher

Hi,

I work for myself from home. Most of the time I'm programming at home and occasionally I visit sites but generally as a rule I'm working here. Nobody visits my house on business. When I'm trying to get contents insurance there is often a clause that they will insure if there is any business being conducted from home. Surely there are many people who are homeworkers.

Can anyone recommend an home contents insurer that caters for people like us? You would think being at home more often than not would go in your favour!

Any recommendations would be welcome.

Thanks
Brendan

jonesMUFCforever

Go through a broker.
As you say most will exclude damage or liability from anyone visiting your property for business purposes or for any stock held at your home.

dunstonh

If no-one visits your house and its clerical work from home, then most household insurers will have some provision in place. If there is specific work , stock and some manual work is done at home, then a homeworker policy is more likely to be needed.

A general insurance advisor would be best placed in these circumstances as they are not as easy to compare as normal household policies.

brendangallagher

Thanks for the advice guys!