Do I need business insurance if I work from home? - Arkwright Insurance

Do I need business insurance if I work from home?

If you work from home, make sure you and your business are covered with a business insurance policy.  Business insurance for those who do home working becomes a must especially when your type of work involves in visitors coming to your house.  There are various levels of insurance cover you can buy and this depends on the type of business you do and what the work involves and types of risks. 

Having said this, you should consider public liability insurance cover especially if you have visitors coming to your house for work or to see you as part of a business transaction. 

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You can purchase the following insurance cover for your business:

  • Public liability insurance
  • Employee liability insurance (if you have any employees)
  • Building insurance
  • Contents insurance
  • Travel insurance if your work involves in traveling
  • Car breakdown and road rescue if your work involves in traveling using your car
  • Business car insurance if you use your car for your work or business

As well as above points, you must also do the following to ensure you don’t run into any issues or obstruction to running your business:

  • Inform your home insurance provider if you work from home
  • Work out whether you need insurance for clerical business only or regular business to the property or other business use

Generally speaking for many people working from home can give quiet, comfortable and focused environment making it a preferred way to work. Noticeably more and more people are becoming self-employed with many conducting their business from their own home.  According to Office for National Statistics (ONS) Working from home has increased over the years and these figures are rising year upon year with no insight of drop in the trend. 

Insurance Cover for Home Working

Generally, home working people would have standard buildings insurance and contents insurance or both as combined insurance.  Home worker does not need to take out a different type of home insurance cover, however, your home insurance provider must understand the work you and they would need to advise you if you need any additional cover or whether if you need to make any changes to the place of your work (basically your house).

Insuring your Business Equipment

There are nowadays many insurance providers who will have a cover for your business equipment when doing business from home or if you do work from your home.  This may be a part of a home insurance policy but normally covered as an additional cover policy. You must ensure the level of cover you are offered and you need to work out whether this is suitable and sufficient or not. 

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Types of Business Use available on Home Insurance

Generally, insurers have shown recognition on three main classifications of home working on home insurance policies and these are as follows:

  1. Clerical usage for business only
  2. Regular business visitors to the property
  3. Another business usage

We have covered thousands of home working entrepreneurs and home workers who work for businesses and if you are one of these people we can also help you get the right cover at a fair premium.  Call us today on 01204 392 525 or email us at


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