Working From Home Insurance
in Insurance & life assurance
4 replies 109 views
We work from home full-time doing picture framing in a rented house. The landlord is concerned that his buildings insurance will be invalid if for instance there was some kind of damage or fire and the insurance company found out that the house was being used for business purposes. He has asked us to get insurance to cover our business and presumably any damage caused by our business to his property. What should I be Googling please? When I look up business insurance it just gives me results for public liability or for insuring business equipment. Thanks in advance.
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Homeworking tends to affect contents insurance. So, at the moment, you either don't have contents insurance or there is a good chance you are paying for something that wont cover you.
Typically, most home insurance policies will cover work from home if it's admin/clerical only. They become fussier (i.e. won't offer cover) if there is stock and materials and get fussier still if people come to your house. The level of restrictions/refusals to offer tend to be greater at the budget end scale (i.e. top of the comparison site) and less with the quality cover.
So, first thing is to find out what the implications are for your current provider. If they refuse cover then you are looking at home-worker home insurance policy or one of the better quality home insurance providers.