Working from home is becoming more and more common. While there are many advantages of home-working, there are several extra things that you need to consider if you set up a home office. One of these is whether your current home insurance is sufficient for using your home as an office. If not, you may need to consider home office insurance.
What does home office insurance cover?
The best home office insurance will be tailored to your needs. At the very least, it should cover your equipment and any loss of income in the case of fire or theft. Beyond that, it is going to depend on the specifics of your business.
If you have employees, you will need employer’s liability insurance. It is a legal requirement to have this insurance. It provides you protects in the event that one of your employees makes a claim against you for illness or injury.
If you have visitors coming into your office you should consider having public liability insurance. This covers and legal costs that might arise should someone be injured while on your premises.
If you are an online retailer then you might want to include cover for your online business. Alternatively, if you offer consultancy or advice as part of your business then professional indemnity insurance can cover you in the event that you make a mistake or provide poor advice. If you use your car for business then you may need to upgrade your insurance here as well.
Whatever you need can be bundled into a single policy that is your home office insurance.
Where to find home office insurance
Just Quote Me are online insurance brokers. They can help you find the right policy for your needs. If you aren’t sure precisely what cover you need then your best course of action is to discuss your business and current cover with the experienced brokers at Just Quote Me. They will give you advice about cover and help build a package that offers excellent value cover. Talk to them today to find out what cover you need.