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Got Insurance for working from home? Help please!
kevinyork
Posts: 1,232 Forumite
Hi,
Am looking for some assistance from other eBayers out there that run their business from home.
My current standard buildings and contents insurance automatically covers me for office equipment for working from home but will not cover stock. As my stock has started to grow Ive started looking to see if I can get cover to include this.
Morethan's standard policy covers working from home, business equipment and stock up to £2,500 but Im concerned this wont be enough and they cannot increase this, Ive asked.
So I started looking around and can find some brokers offering business insurance to cover me for the stock and assets as well as public liability etc which would be useful but its an add on policy only. i.e. it doesnt cover the buildings and contents of my home itself. Since I cannot find a buildings and contents provider that will cover me at all if Ive got business stock in the home then Im stuck.
Does anyone have experience of getting cover for their house and contents AND their working from home business including stock please as Ive spent a day on the phone and got nowhere. Most internet sites either wont quote where stock is involved or will class me as a retailer and think Ive got a shop where the public are allowed in.
Any useful advice gratefully received.
Cheers,
Kev
Am looking for some assistance from other eBayers out there that run their business from home.
My current standard buildings and contents insurance automatically covers me for office equipment for working from home but will not cover stock. As my stock has started to grow Ive started looking to see if I can get cover to include this.
Morethan's standard policy covers working from home, business equipment and stock up to £2,500 but Im concerned this wont be enough and they cannot increase this, Ive asked.
So I started looking around and can find some brokers offering business insurance to cover me for the stock and assets as well as public liability etc which would be useful but its an add on policy only. i.e. it doesnt cover the buildings and contents of my home itself. Since I cannot find a buildings and contents provider that will cover me at all if Ive got business stock in the home then Im stuck.
Does anyone have experience of getting cover for their house and contents AND their working from home business including stock please as Ive spent a day on the phone and got nowhere. Most internet sites either wont quote where stock is involved or will class me as a retailer and think Ive got a shop where the public are allowed in.
Any useful advice gratefully received.
Cheers,
Kev
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