Working from home insurance

Working from home insurance

If you work from home, then you may have amassed office equipment and items that not only have a great financial value but also are vital to the running of your business and need to be quickly repaired or replaced. This is why there are separate ‘working from home’ insurance policies that will cover you for your specialist home office equipment that is vulnerable to theft or damage, such as laptops, with some insurance providers giving a total home office equipment cover of up to £5,000. This also negates the frustration of your standard home insurance premiums constantly increasing if you regularly need to claim for what are actually your business expenses.

You may also need to tailor your cover or look at extra insurance if you employ other people to work out of your home, such as accidental damage and/or employer's liability cover.