Home Insurance For EBay Business

Aimo1234

Hi All, I’m looking to set up as a sole trader reselling clothes on eBay to top up my income. I will need to change my home insurance provider as my current one does not cover business use. 

Can anyone point me in the right direction for an insurance provider please?

DullGreyGuy

Just fill in the answers correctly on the aggregators about home business and see who comes up. 

the_lunatic_is_in_my_head

OP have you doubled checked with your provider?

Home policies can cover clerical work (using a laptop, etc), if you don't want your stock or any business assets covered and don't have visitors your current policy provider might be happy with things the way they are. 

Doesn't hurt to ask before paying extra that may not be needed  

DullGreyGuy

the_lunatic_is_in_my_head said:

OP have you doubled checked with your provider?

Home policies can cover clerical work (using a laptop, etc), if you don't want your stock or any business assets covered and don't have visitors your current policy provider might be happy with things the way they are. 

Doesn't hurt to ask before paying extra that may not be needed  

Irrespective of if they want their stock covered or not they have to declare its being stored at home because they are doing more than just clerical work at home. Many home insurers won't touch someone who's using their home beyond clerical.  

Had a claim for almost £0.5m after their home was gutted by fire that was declined because they were using a spare room to store stock for their hairdressing salon but had declared there was only clerical use for the property. 

RFW

It may be worth using a small self storage unit. This can show you only use the home for clerical business work and your storage stock would be insured by them.

There are some relatively cheap business insurance packages you can look at.