Home business insurance

We make arranging your home based business insurance simple and hassle-free

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Many self-employed people enjoy the benefits of operating their business from their own home. Working from a home business is becoming a much more popular choice for the likes of freelancers, professionals, craftspeople and those running cottage industries. However, without the right home business insurance in place, you could be personally responsible for any claims being made against you.

Finding the right home based business insurance doesn’t need to be challenging. We understand the pressures of running your own business can leave little time for much else. That’s why we compare quotes from some of the UK’s leading insurers to find you the right cover at the right price to protect your livelihood.

Running a business from home may seem less risky with no office overheads or lengthy commutes each day. However, this doesn’t mean you can rest easy when it comes to business insurance. Whatever your trade or profession, there will be risks involved and you will need to protect against these to ensure the safety of your clients, employees and anyone else in connection with your business.

Whatever your profession, our experts work hard to find the right working from home insurance solution for you. We can compare working from home business insurance quotes from a range of UK leading insurers. Our insurance advisors provide a hassle-free service, with professional recommendations and arrange the best cover for you and your home based business.

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Complete our short form to start your business insurance quote. We’ll then call you at a time that’s convenient for you to discuss your requirements and provide an insurance quote

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Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm

Call: 0333 320 6009

Home business insurance cover in detail

What is home business insurance?

Home business insurance, also known as home-based business insurance or in-home business insurance, is a type of insurance package policy that is designed to protect individuals who operate a business from their own homes. It’s a specific form of business insurance that addresses the unique risks and liabilities associated with running a business out of a residential property.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability insurance

If you have clients or suppliers visiting your home, then your working home based business insurance will need to include public liability insurance to safeguard your business if a client were to sustain an injury as a result of an accident at your premises. As careful as you may be, accidents do happen, and injury claims can be costly, so adding public liability insurance to your insurance policy is essential.

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Employers' liability insurance

If you are working from home and employ staff, then employers’ liability insurance is legally required to protect your employees against accidents that may occur during the course of their employment. Public liability and employers’ liability insurance can typically be combined to make up part of your working from home business insurance.

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Personal accident insurance

If you’re working alone, you should consider personal accident cover as part of your tradesman insurance. In the event that you injured yourself at work, this cover can provide you with a weekly benefit to tide you over while you are unable to work.

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Product liability insurance

If you are producing a product from home, whether its cakes, curtains or cabinets, you will need to consider product liability insurance to cover you if your product caused injury or damage to one of your customers. For instance, if you accidentally gave someone food poisoning, your product liability insurance can protect you.

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Professional indemnity insurance

If you’re involved in design work, providing advice or in a service-led industry, then professional indemnity insurance should be a key consideration. If the advice you gave caused a client financial loss then you may be liable to pay compensation. Professional indemnity insurance for home based businesses can give you peace of mind knowing that should something unexpected happen, you’re protected.

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Commercial legal protection

Navigating legal challenges can be complex and costly. Commercial legal insurance should be considered to cover against tax and VAT disputes, employment disputes and compensation awards, as well as jury service allowance.

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Home business insurance FAQs

Do I need home business insurance?

Yes, working from home business insurance can cover a range of exposures, including liabilities, assets and legal expenses cover. All of which can be tailored to your individual business needs to give you peace of mind to work without worry.

How much does home business insurance cost?

The cost of home business insurance can vary depending on several factors, including the type of business you run, the cover limits you need, your location, the value of your business assets, and your annual turnover. Because there are so many variables involved, the insurance experts at Premierline can provide insurance reccommendation and obtain quotes for you.

Is my home business covered under my home insurance policy?

Many people are under the impression that their business contents are covered by their home insurance; however, this is generally not the case. Most home insurance policies exclude business activities, which means it is even more critical to get comprehensive home business insurance.

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're business insurance experts

We understand the nature of running your business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging insurance for your contracting business simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
Award winning service - We're trusted by thousands of SMEs across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

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Speak to a home business insurance expert

Whatever your home business insurance needs, we can help arrange the right business from home insurance for you, letting you focus on what matters – your business. Speak to one of our insurance advisors to comparative quotes online or if you’re not sure what you need call our advisors today for professional recommendations that are tailored to you.