What is Working From Home Insurance?
Working from Home Insurance, also known as Home Worker Insurance, is a separate product to Home Insurance and will provide cover for both your business and personal insurance needs.
An increasing number of people now work from home, but conventional Home Insurance doesn’t always offer adequate cover for home workers. For example, you may have valuable IT equipment at home that needs to be insured. You also need to consider the risk of business interruption if your home is damaged or destroyed by fire or flooding.
Why Nova Insurance for working from home insurance?
We have a UK-based call centre that is available 6 days a week to take your call. The experienced team can guide you through obtaining a working-from-home insurance quotation, offering relevant advice and assistance throughout.
Calls are completely free, as we use 0800 numbers. However, you can request a callback, and we will call you back at a time that’s convenient for you. Ready for a quote? Simply complete the form, and we will call you back. Alternatively, you can contact us.
Trusted by Thousands
Over 27,000 clients rely on Nova Insurance to protect their businesses with reliable and specialist insurance solutions
Instant Cover and Documentation
Get immediate cover when you need it, with policy documents issued directly to your email within minutes.
Over 30 Years of Experience
With more than 30 years of experience, we specialise in insuring self-employed professionals, freelancers, contractors, and small business owners.
Who Should Consider Working From Home Insurance?
If you spend all or part of your working week at home, this cover is worth serious consideration. We arrange policies for a wide variety of home workers, including freelancers and consultants, accountants and bookkeepers, designers, writers and marketing professionals, therapists and tutors who see clients at home, crafters and makers who sell their products, online sellers who store stock in the house or garage, and anyone whose employer requires them to hold their own cover while working remotely.
The nature of your work shapes the cover you need. A consultant who works alone on a laptop faces very different risks to a beautician who welcomes clients into a converted room, and your policy will be built around how you actually work.
Cover for Your Business Equipment
The tools of a modern home business are often worth far more than people realise. Computers, monitors, printers, cameras, specialist software, sewing machines, treatment couches and other equipment can quickly add up to thousands of pounds. Working From Home Insurance covers your business equipment against fire, flood, theft and accidental damage, so a single incident does not mean paying out of your own pocket to get back up and running.
It is worth making an honest list of everything you use for work and its replacement cost. Most people are surprised by the total, and an accurate figure ensures your cover matches reality.
Protecting Business Stock Held at Home
If you make or sell products, the stock you hold at home needs its own protection. Whether it is handmade goods in the spare room, materials in the garage or finished orders waiting to be posted, business stock is not personal property and standard home contents cover may not respond if it is damaged or stolen. Your policy can include a stock sum insured that reflects the value you typically hold, with room to increase it during busy selling seasons.
Public Liability for Home Workers
If clients, customers, students or suppliers visit your home for business reasons, you have a duty of care towards them. If a visitor trips on a loose stair carpet or is injured during a treatment or lesson, you could face a compensation claim along with legal costs. Public liability insurance protects you against claims for injury to third parties or damage to their property arising from your business activities, and for anyone who sees clients at home it is one of the most important covers available.
Professional Indemnity Insurance
If your work involves giving advice, providing designs or delivering professional services, a dissatisfied client could allege that your work caused them financial loss. Professional indemnity insurance covers the legal costs of defending such claims and any compensation awarded. Many contracts, particularly with larger companies and public sector organisations, require you to hold professional indemnity cover before you can even begin work, so it can open doors as well as protect you.
Business Interruption for Home Businesses
When your home is your workplace, damage to the property hits you twice. A serious fire or flood does not just leave you looking for somewhere to live; it stops your business earning. Business interruption cover protects your business income while your home is being repaired, and can help fund the additional costs of working elsewhere, such as renting a temporary office or workspace, so your clients experience as little disruption as possible.
One Policy for Your Home and Your Business
One of the great advantages of Working From Home Insurance is simplicity. Instead of juggling a home policy from one insurer and business covers from another, with the risk of gaps and overlaps between them, everything sits in a single policy with one renewal date and one point of contact. Your buildings, personal contents, business equipment, stock, liabilities and income protection all work together, arranged by a team who understands both sides.
How Much Does Working From Home Insurance Cost?
Premiums depend on the nature of your work, the value of your home, contents, equipment and stock, whether clients visit your property, the level of liability cover you need and your claims history. Because the policy combines home and business protection, many people find the overall cost compares favourably with buying separate policies, and it removes the risk of the two policies arguing over which should pay a claim. Speak to our team for a quotation built around your circumstances.
