Home Business Insurance

Our Home Business Insurance is suitable for a wide range of businesses or individuals who...

Work out of their home or outbuildings on their property, or at their clients' property - including those who:
- Provide a service, for example IT / Marketing Consultants or Surveyors
- Sell a product, for example books or children's clothing (including eBay sellers)
- Make something, for example pottery or greetings cards
Are self-employed or are employers with up to six employees

More details on our Home Business Insurance can be found further down this page.

Cut your cost, not your cover - Guaranteed

If you find a cheaper home business insurance quote for the same cover, we'll beat it - Guaranteed (terms and conditions)
Plus, you also get 0% interest on your monthly payments (Subject to status. For the first year only. 18s and over. Typical 0% APR.)
You can call our UK based business team on 0845 303 1739

Key features of our policy

Our standard Home Business Insurance includes...

Business contents and stock cover for any amount to a maximum of £75,000 (for example office furniture and equipment)
Public and product liability for injury to the public or damage to their property, up to £2m
Reimbursement for loss of income caused following an insured event such as a fire or flood, up to £50,000 over a 12 month period
Cover for theft of business money at home or in transit

As well as increasing many of the above limits you can extend cover to include:

Buildings cover up to £500,000, which can include your home and/or your workshop or outbuildings within the boundary of your property.
Employers' liability cover of up to £10m
Portable business equipment away from your premises (for example laptops and mobile phones)
Legal expenses

Helping you buy the correct home business insurance with our quick & easy process

In order to make your quote process more straight forward, please have the following to hand:

your business contents and stock value
your property's rebuild value (which is required if you want to insure the building)
details of any loss, damage, injury or disability during the past 3 years in connection with the business you wish to insure

Please also read the Assumptions page to find out more about the important statements you need to comply with.

Our quick and easy quote process consists of 2 stages:

Stage 1 - Your business details: Basic questions about you/ your business
Stage 2 - Your quote: A basic quote with options to increase some cover levels or add additional covers to suit your individual needs

From here you can proceed to review your quote summary and buy your policy - either by paying monthly or annually - it's that easy!

For more information about our Home Business Insurance, please visit the Summary of cover page, or for full details read the policy booklet.

We understand you have unique insurance requirements

Running a home business means dealing with a unique set of challenges, and our insurance is designed to meet them. For instance, you're probably concerned about the potential liability you could have to your customers, and you'll want to know you are covered for things like loss of stock, or loss of income if something happens to your home that means you can't carry on your business.

Whether you're covering business equipment or any money (in your home or in transit to the bank), it's essential that you buy the right amount of cover. That's why we ensure our insurance includes the standard cover for your type of business with the option to increase cover limits or add on cover to suit your individual requirements.

And if you have a change in circumstances, such as expanding or changing your business, just let us know and we'll adapt the quote to your needs and save you money wherever we can.

Getting a quote is quick and easy, just click 'Get a Home Business Insurance quote' and we'll guide you through the process.

Promotional code

If you have a valid Home Business Insurance promotional code, don't forget to enter it on the website or mention it to your consultant when you get a quote (terms and conditions).