Home business insurance
Home-based business insurance guide
Check whether home insurance, business equipment, public liability, stock, cyber, and client visits are covered when you work from home.
Prepare
Details to gather before comparing cover
- Business activities, locations, annual revenue, staff or contractors, tools, stock, vehicles, and whether customers visit you or you visit them.
- Contracts, leases, market or venue requirements, certificate-of-currency requests, previous claims, and any exclusions you already know matter.
- Whether the business gives advice, handles client property, sells products, stores data, accepts online payments, or works from home.
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Policy questions to ask
- What is included, excluded, sub-limited, optional, or only available as an add-on?
- How are excesses, waiting periods, cancellation, certificates, claims support, and renewal changes handled?
- Does the policy match the actual home business risk, or is it a generic package with gaps?
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