Running a business from home?

Make sure you’re covered from just £55 a year!

60% of customers paid this or less. Based on policies sold April 16 - Sept 16. Includes IPT and add-ons.

Home Business Insurance

The essential cover you need when running a business from home

It’s a common misconception that if you run a business from your home, your equipment and materials will be covered by your home insurance. In reality, the chances are that your home insurance won’t cover you for home business or small business activities.

With cover for stock and equipment and loss of income included as standard, our specialist Home Business Insurance provides cover against some of the most common business risks.

To find out more about Home Business Insurance, take a look at the video below.

What's covered?

With our Home Business Insurance, you can also increase many of the standard limits.

  • Public Liability and Products Liability up to £2m (Cover at your premises, client premises, exhibitions and trade fairs)
    Why do I need public & products liability cover?
  • Business Contents and Stock Cover for any amount up to £75,000 (e.g. office furniture, business or trade items such as cameras, sewing machines or cooking equipment)
    Why do I need this?
  • Cover for theft of business money at home or in transit
  • Business Interruption Cover for loss of income up to £50,000 over a 12 month period. If you can’t trade due to an insured event, such as fire, flood or theft of stock
  • Direct Line for Business Legal Documents Service – unlimited online access to a large library of customisable legal documents, plus you can have the documents you create checked by a solicitor
  • No administration fee for mid term changes to your policy

Optional extras

  • Buildings Cover up to £500,000 (can include home, workshop or outbuildings within your property boundaries).
  • Employers' Liability Cover up to £10m.
    Why do I need Employers' Liability?
  • Portable business equipment away from your premises (e.g. laptops and mobile phones).
  • Legal expenses (e.g the cost of employment or property disputes or health and safety breaches).
  • Saving you time with your quote

    Please ensure that the information provided by you is correct, and you comply with the statements on this page. If your circumstances change between the date you purchase the policy and the policy start date, please call us. Failure to do so may mean that your insurance policy is not valid or that we may not pay all or part of your claim(s).

    We don’t charge administration fees for mid-term changes to your policy.

    If you decide to cancel your policy during the period of insurance an administration fee for cancellation will apply amounting to 1/12th of your annual premium, up to a maximum of £50.00 (calculated at the time of cancellation, plus current rate of Insurance Premium Tax where applicable).

    The below statements are what you need to agree with for us to be able to offer you this insurance policy.

    Neither You, nor Your Directors nor Your partners:

    • have ever had insurance declined or special conditions imposed by any insurer
    • have ever been convicted of or charged (but not yet tried) with a breach of any health and safety legislation or any other criminal offence other than a motoring offence
    • are subject to an outstanding County Court Judgement (or the Scottish equivalent)
    • are subject to bankruptcy or insolvency orders which are either outstanding or have been discharged for less than 5 years

    You have not had more than 4 claims in the last 3 years.

    The below are important statements about the property your business operates from:

    • The walls of the buildings are built solely of brick, stone, or concrete
    • The roof of the building is built of slates, tiles, asphalt, concrete, metal, other incombustible materials
    • The buildings are not heated by methods other than by electricity, natural gas, a fixed central heating system or domestic coal fire
    • The Premises do not require any repair or refurbishment to make them secure or water tight and will be so maintained
    • You have sole control over all doors and windows that access your premises or your portion of the premises
    • Your home is used solely by your business and your family
    • The level of security at your premises meets our minimum security requirements

    The below are important statements about your business:

    • Whenever you have more than £3000 of Money in the home, it must be kept in a locked safe when the home is unattended
    • Your business does not involve visits to offshore rigs or platforms.
    • The business does not hold any stock of fur clothing, guns or other weapons, ammunition or items for use in the manufacture, repair or servicing of aircraft.
    • The business does not process, use, handle or store any of the following: silica asbestos or substance containing asbestos, radioactive substances, liquids or gases in bulk, any other industrial materials that are toxic, explosive, flammable, corrosive or an irritant.
    • You do not undertake any work involving welding or other application of naked flame (other than cooking).
    • You do not export any goods outside of the EU
    • There are no more than six people working in the business
    • The buildings are not Grade 1 Listed
    • You do not undertake any treatment other than normal hairdressing and tinting, dyeing, permanent waving, straightening, eyebrow plucking and shaping, manicures, pedicures work on wigs and hairpieces, ear piercing (other than by the gun and stud method), facial beauty treatments* If you can't agree with this statement, please call us on 0345 303 1739.
    • You do not operate any sun-beds, solariums, saunas, steam baths, jacuzzis or exercise machines*
    • You do not manufacture, mix or alter any lotion, hair dye or other preparation other than in accordance with manufacturers instructions*

    If any of the assumptions above are not true please call us.

    * These statements only apply to the relevant occupations. Please refer to the important statements section of your quote to see if these apply to you.

Policy documents

View and download policy documents here

The following policy documents apply to policies that were bought or renewed before 12 August 2016.

The following policy documents apply to policies that were bought or renewed on or after 12 August 2016.

Legal Document Service

Included as standard when you buy or renew a policy from 1st February 2016.

Register or log in to Direct Line for Business Legal Documents Service.

Get documents

Frequently asked questions

About Home Business Insurance

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What our Home Business customers are saying

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