Home Worker Home Insurance – cover your home even if you work from it
CoverBuilder is a specialist provider of home insurance policies which have been specifically designed with home workers in mind. Able to insure a variety of properties that play host to a wide range of professions, with a CoverBuilder policy you can be confident that your home will be protected should the worst happen.
Benefits of a CoverBuilder Home Worker policy:
- Buildings cover up to £1.5million
- Contents cover up to £150,000
- Personal possessions cover up to £40,000
- Cover for clerical business equipment*
- Liability cover for some professions*
- Average call centre answer time under 1 minute
*As CoverBuilder uses a panel of insurers, cover can vary from policy to policy so we strongly recommend you carefully check your policy wording before finalising a purchase.
Example occupations; beauty/beautician, childminding, clerical work, eBay/Etsy selling, fostering, medical/therapist, production, manufacturing, tuition, internet sales/business, catering & more considered.
MORE ABOUT HOME WORKER INSURANCE
With numbers of those working from home across the UK soaring, many home workers still fail to check that their current home insurance is providing adequate cover. Many fail to inform their insurer at all.
If you work from home, you don’t necessarily need different home cover, however, you will need to make sure that your insurer is fully aware of the work that you do. If you’re working from home, in any capacity, you may require specialist home insurance.
What types of Work From Home are included?
1) Clerical business use
If you carry out a hefty amount of administrative work from home, which includes the use of office equipment such as printers, laptops, and desktops. Examples of clerical working, Graphic designers, general office-based work
2) Regular business visitors to the property
In many instances, particularly if you are a service provider, visitors will often frequent your property. You will need to inform your insurer if this is the case for you and your business. A higher number of visitors means that your home and contents are more exposed to risk. Example occupations that require regular business visitors: Beauticians, Child-minders, Accountants, Music Teachers, Tutors.
3) Online sellers
You may run an online shop including through outlets such as eBay or Etsy selling various items such as craft items e.g cards or jewellery
There are other occasions in which you will need to inform your insurer of your home working set-up Example occupations: Cake maker, mechanic, photographer.
Three easy steps to securing working from home insurance for your property
Step 1.) Assess your risk
Firstly, determine your business use. You must assess whether the work is clerical only, requires business visitors or if it doesn’t fit either of the above. You will also need to think about what subcategory your work would fall into, for example, production/manufacturing, guesthouse or Internet sales.
Step 2.) Check your cover
If you already have a home insurance policy in place, complete the necessary checks with your insurer to make sure that the cover you have in place is adequate. If you don’t have cover in place, skip to step 3.
Step 3.) Secure specialist cover
If you’ve discovered that your cover isn’t adequate or if you’re looking to take out a new policy, why not try a quote with CoverBuilder. If the cover under your standard home insurance will be compromised by your business use, you can turn to us to protect your home. We are also able to cover equipment and stock (subject to individual circumstances and policy restrictions.)
Customer Case Study
Wendy turned to CoverBuilder when she needed to source cover for her property as well as her home business.
As Wendy explains: “I needed business at home cover because my husband makes jewellery, which we sell on Etsy. The cover was required for equipment as well as stock and I wanted to combine it with our normal household insurance to keep things simple. CoverBuilder was the perfect solution.”