Insurance - Home Working

Jo_King

A question about insurance. I'm soon going to be moving house, and changing job.

In the new job I will be doing clerical work from home. I get cover for equipment from my employer, and I'm fairly confident that that aspect of my work doesn't impact on the insurance.

I'll also be seeing a few clients for one to one work. It's a little like counselling, but not quite, and I don't give advise. At most it'll be £60 a month, so I'm reluctant to pay a massive amount of insurance. My plan is to get professional indemnity, which is only about £60 a year.

Do I need more? If I need lots of insurance, I'm wondering if it's worth doing it at all...

phill99

What other insurances do you think you will need?

Mistral001

I should have thought there are two aspects to your insurance situation. Firstly there is the professional liability in connection with your work. If you carry out your professional work at home for a company/organisation then you might be covered under their PII if your client knows that you are working as part of that company/organisation. Secondly there is public liability aspect to do with ensuing that the client is not injured while in your house. That will be down to you as it is your property I should have thought.

I would seek advice from your company/organisation and/or insurance broker.

dacouch

A home insurer will not be happy about you having clients in your home

Horace

I would also check the deeds of your house because your deeds might say that you cannot run a business from home. Your neighbours might not like clients visiting you at home and will report you to the council for running a business - rather than have clients visit you at your home, I would be more inclined to meet them in a neutral place away from the home.