Insurance cover for Home Businesses
If your current insurance no longer offers the cover you need,
there are specialist household insurance policies that allow you to
operate a business from home. Home business insurance offers
specialist cover for your buildings and/or contents if you choose
to work from home.
Towergate Insurance offers home business insurance to suit a
variety of occupations, this insurance policy offers a range of
both standard and optional covers. If you run a business from home
- whether it is a bed and breakfast or you are a child minder, or a
tutor, then you have come to the right place!
If your home based business is a full-time occupation or is
frequented by clients and workers, you may also want to consider
personal cover such as life insurance, health insurance and
disability protection as well as public liability and employers
liability policies.
Talk to a home business insurance professional and explain your
work situation in as much detail as possible so you can secure
adequate cover. Towergate's home business insurance protects you
with a single policy. Our home business insurance covers
bricks and mortar, as well as personal contents and business
equipment.
Key features of our home business insurance
- Property Owners, Occupiers and Personal Liability cover can be
extended
- We cover employed family members
- We cover office equipment up to £3,000, can be extended to
£10,000 (clerical equipment used in connection with the business -
computer, fax, telephone, photocopier, typewriter, word processer,
telecommunications equipment and office furniture)
- Buildings and contents insured on normal terms
Our home business insurance cover also provides the option to
insure office equipment which is used specifically for your
business, such as fax machines, computers and telephones.
Exclusions
- Stock
- Tools of the trade or business equipment except for office
equipment
- Money taken in connection with the business or trade
- The first £250 for escape of water claims, £1,000 for
subsidence/heave/landslip claims and £50 for all other claims
