House insurance when business registered at home

fluffpot

HI everyone

I need to renew my house insurance but am getting hampered because both my husband and myself are self employed and so our businesses are registered at our home

Hardly anyone seems to want to insure us or they are very expensive

Any suggestions for insurers to approach? Would we be better going to a broker?

FYI - I am a tradeswoman, so am out all day, but do paperwork at home. I'm not looking for cover for stock (which is minimal) or tools (I have already). My husband runs an on line shop, but no stock is held at our house. He works from home - so there is generally someone in the house 24/7 - I would have thought this would reduce our premiums!

Thanks in advance for any advice
I'm also posting in the insurance forum

Fluff

Aquamania

fluffpot wrote: »

HI everyone

I need to renew my house insurance but am getting hampered because both my husband and myself are self employed and so our businesses are registered at our home

Hardly anyone seems to want to insure us or they are very expensive

Any suggestions for insurers to approach? Would we be better going to a broker?

FYI - I am a tradeswoman, so am out all day, but do paperwork at home. I'm not looking for cover for stock (which is minimal) or tools (I have already). My husband runs an on line shop, but no stock is held at our house. He works from home - so there is generally someone in the house 24/7 - I would have thought this would reduce our premiums!

Thanks in advance for any advice
I'm also posting in the insurance forum

Fluff

Irrespective of whether or not you want it covered, holding stock (and tools) at home will almost certainly require you to have specialist cover.

Try a broker

Do you have a mortgage? If so, have you advised the lender what you are doing?

(Your husband's work should not cause any issue )

fluffpot

thanks for that. Yes the mortgage people know all about it- I've been trading for 10 years now!

I have separate tools insurance.

The problem seems to be that as we have 2 separate businesses at the address, cover cannot be provided - it would be fine if it was just one. Seems mad, but hey

Will contact a broker

Aquamania

fluffpot wrote: »

thanks for that. Yes the mortgage people know all about it- I've been trading for 10 years now!

I have separate tools insurance.

The problem seems to be that as we have 2 separate businesses at the address, cover cannot be provided - it would be fine if it was just one. Seems mad, but hey

Will contact a broker

If the mortgage company are happy with you carrying on such business from a residential property, tell them to insure you

fluffpot

Yes, maybe I will! I mean hundreds and thousands of self employed tradespeople have their 'office' at home - usually the kitchen table!

AbbieCadabra

our insurance isn't straightforward, we've used SME for a few years now, don't know if they'll be able to help?

Aquamania

fluffpot wrote: »

Yes, maybe I will! I mean hundreds and thousands of self employed tradespeople have their 'office' at home - usually the kitchen table!

But I don't think hundreds and thousands of self employed people keep their stock and business tools on the kitchen table

(...or even in a home office) ... or at least if they do, they have not all informed their insurance company ... and so in the event of them making a claim, they may get a nasty surprise.

As I said, your husband, who is self employed, should not cause any issue with insurance based on the details you have posted.