If key business equipment or stock stored at home is stolen or destroyed, it’s important to have this covered. Our business contents or Business stock cover will help.
Having public liability cover will ensure you’re covered for costs should an accident or mistake happen when working from home. For example, if a fire broke out at your home business and it damaged neighbouring properties.
Business interruption is designed to keep your business operating and in the same financial trading position as before a loss. We helped over 370 small businesses last year when equipment or asset damage meant they couldn’t operate.
Protect business stock
Your personal home contents policy won’t cover your business stock, so you’ll need to get Business Stock Cover.
Cover key equipment
Most personal contents policies limit cover on your high value items, so make sure your key business equipment is covered with Business Contents cover.
Keep your data safe
Arrange for regular daily back ups of computer data, and make sure the back-up is kept off site.
Personal vehicle cover
If you use your personal vehicle for business purposes, you’re better to cover it under Business Vehicle Insurance.
Electrical fire protection
Electrical fires are a risk to home workers. Check for loose electrical connections and poor maintenance of electrical equipment.