{"id":12575,"date":"2024-07-27T18:37:59","date_gmt":"2024-07-27T17:37:59","guid":{"rendered":"https:\/\/www.qualitycompanyformations.co.uk\/blog\/?p=12575"},"modified":"2024-07-30T11:46:54","modified_gmt":"2024-07-30T10:46:54","slug":"business-insurance-working-from-home","status":"publish","type":"post","link":"https:\/\/www.qualitycompanyformations.co.uk\/blog\/business-insurance-working-from-home\/","title":{"rendered":"Business insurance you might need if you work from home"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Whether you\u2019re a freelancer, contractor, self-employed, or own a limited company, there are certain types of business insurance you might need if you work from home. Ensuring that you have the correct cover is essential to protect you, your business, and your customers.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this blog, we highlight the key types of business insurance that could be relevant to you if you work from home.\u00a0<\/span><\/p>\n<h3>Check your home insurance policy<\/h3>\n<p><span style=\"font-weight: 400;\">First, you should check what your existing home insurance covers if you work from home (or plan to). Some providers cover basic administrative professions that involve taking phone calls or using a computer at home.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, every insurance provider and policy is different, so double-check your current documents to determine what type of business insurance you might need to work from home.\u00a0<\/span><\/p>\n            <div class=\"revolut_shortcode\">\n                <a href=\"https:\/\/revolutbusiness.ngih.net\/daV2kQ\" data-wpel-link=\"external\" target=\"_blank\" rel=\"noopener noreferrer\">\n                    <img decoding=\"async\" src=\"https:\/\/cdn-brand.s3.eu-west-1.amazonaws.com\/assets\/images\/revolut_mobile.png\"\n                        alt=\"Revolut Business & Affiliates.\"\n                        class=\"revolut_shortcode-mobile\">\n                    <img decoding=\"async\" src=\"https:\/\/cdn-brand.s3.eu-west-1.amazonaws.com\/assets\/images\/revolut_desktop.png\"\n                        alt=\"Revolut Business & Affiliates.\"\n                        class=\"revolut_shortcode-desktop\">\n                <\/a>\n            <\/div>\n            \n<p><span style=\"font-weight: 400;\">If unsure, let your insurance provider know you\u2019re working from home. They\u2019ll be able to advise if you\u2019re protected, or if you need to take out additional policies.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now, let\u2019s examine some of the individual types of business insurance that you might need if you work from home.\u00a0<\/span><\/p>\n<h3>Professional indemnity insurance<\/h3>\n<p><span style=\"font-weight: 400;\">Professional indemnity (PI) insurance protects you if a client takes legal action against you for negligence or damages. It can cover the cost of compensation if you:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provide incorrect advice or make a mistake<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Produce false statements about a client<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Share someone\u2019s personal data without permission<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use someone\u2019s intellectual property without permission<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lose or damage a client\u2019s documents<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">PI insurance is useful for most types of businesses, but determining if it\u2019s right for you depends on the type of work you do. You could benefit from PI insurance if you:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provide financial or legal advice<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have access to clients\u2019 confidential information<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Teach a skill or expertise<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Run a creative business, like marketing or design<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are a healthcare professional<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provide trade or DIY services<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Generally, PI insurance is not legally required to run your business from home (or anywhere else). However, we strongly recommend it, as it could provide vital financial protection if a client sues you for a mistake you\u2019ve made. Without this business insurance, you\u2019ll need to cover the financial fallout yourself, which could hurt both you and your business.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Furthermore, some industries (like accountancy and architecture), regulators, and governing bodies specify that you must lawfully obtain PI insurance before providing professional services.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Therefore, it is essential to check if PI insurance is compulsory in your profession. Depending on the type of work you carry out, your clients might also require this type of business insurance before agreeing to work with you.\u00a0<\/span><\/p>\n<h3>Public liability insurance<\/h3>\n<p><span style=\"font-weight: 400;\">Working from home could mean minimal physical contact with members of the public. However, if you host clients or customers at home, or if you visit others for work, you\u2019ll need public liability insurance. This protects you if you damage someone\u2019s property whilst carrying out your services, or if they have an injury on your property.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s say you run a photography business and have a home studio. When someone comes in for a photo shoot, they could trip on a loose cable, or you could drop a piece of heavy equipment on their property and damage it.<\/span><\/p>\n<p>                                                    <a href=\"https:\/\/www.qualitycompanyformations.co.uk\/blog\/business-insurance\/\" class=\"related\" data-wpel-link=\"internal\"><span class=\"related-title\">Business insurance for startups<\/span><\/a>\n                                                                        <a href=\"https:\/\/www.qualitycompanyformations.co.uk\/blog\/permission-to-run-a-business-from-home\/\" class=\"related\" data-wpel-link=\"internal\"><span class=\"related-title\">Do I need permission to run a business from home?<\/span><\/a>\n                                                                        <a href=\"https:\/\/www.qualitycompanyformations.co.uk\/blog\/business-rates-running-a-business-from-home\/\" class=\"related\" data-wpel-link=\"internal\"><span class=\"related-title\">Business rates when running a business from home<\/span><\/a>\n                    <\/p>\n<p><span style=\"font-weight: 400;\">Or if you visit a customer\u2019s home to carry out a job or give them a quote, you could spill coffee on their furnishings. In these cases, they could sue you for compensation, damage, or medical costs, which public liability insurance can protect you against.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You don\u2019t legally need to have this type of business insurance if you work from home, but remember that as a small business, you likely lack a large organisation&#8217;s financial and legal resources, so you probably wouldn\u2019t be able to cover such substantial expenses yourself.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, it\u2019s best to be safe and protect your business with public liability insurance, even if you work from home.\u00a0<\/span><\/p>\n<h3>Product liability insurance<\/h3>\n<p><span style=\"font-weight: 400;\">Product liability insurance is typically included in public liability insurance, and protects you against injury or damage claims from a product you make, sell, or supply. This includes online, in which case you will likely be working from home.\u00a0<\/span><\/p>\n            <div class=\"hubspot_shortcode\">\n                <a href=\"https:\/\/hubspot.sjv.io\/OrKdGZ\" data-wpel-link=\"external\" target=\"_blank\" rel=\"noopener noreferrer\">\n                    <img decoding=\"async\" src=\"https:\/\/cdn-brand.s3.eu-west-1.amazonaws.com\/assets\/images\/hubspot_mobile.png\"\n                        alt=\"Get Started With HubSpot's Free Tools.\"\n                        class=\"hubspot_shortcode-mobile\">\n                    <img decoding=\"async\" src=\"https:\/\/cdn-brand.s3.eu-west-1.amazonaws.com\/assets\/images\/hubspot_desktop.png\"\n                        alt=\"Get Started With HubSpot's Free Tools.\"\n                        class=\"hubspot_shortcode-desktop\">\n                <\/a>\n            <\/div>\n        \n<p><span style=\"font-weight: 400;\">For example, someone could receive a faulty product from you, or experience food poisoning or an allergic reaction (if you sell edible goods). This business insurance covers the cost of legal fees and compensation if a customer makes a claim against you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Again, you don\u2019t legally need this business insurance, but if you have public liability insurance, it\u2019s most likely already included. Otherwise, we strongly recommend taking out a policy if you run a retail business from home.\u00a0<\/span><\/p>\n<h3>Employers&#8217; liability insurance<\/h3>\n<p><span style=\"font-weight: 400;\">If you employ people, you must legally obtain employers\u2019 liability insurance. This is required no matter where you or your staff work &#8211; if they\u2019re remote employees or work from home sometimes, you still need this business insurance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Employers\u2019 liability insurance protects your employees if they fall ill or get injured whilst working for your business. Employees include full and part-time employees, contractors and freelancers, temporary staff (including apprentices and volunteers), and work experience staff.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The level of cover you\u2019ll need depends on the type of work you do and the size of your business. Generally, most businesses need at least \u00a35 million worth of employers&#8217; liability cover.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bear in mind that if you do not have adequate insurance, you could face a substantial fine of up to \u00a32,500 every day you do not have appropriate business insurance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some companies, primarily those without employees, are exempt from having employers\u2019 liability insurance. However, if you plan to hire staff soon, it\u2019s a good idea to take out this business insurance in advance, to ensure your business and future employees are protected immediately.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You are also exempt if you only employ family members and are <\/span>not<span style=\"font-weight: 400;\"> incorporated as a limited company.\u00a0<\/span><\/p>\n<h3>Business equipment insurance<\/h3>\n<p><span style=\"font-weight: 400;\">Whether you need a laptop to work from home or use specialist tools, you could benefit from taking out business equipment insurance. The items you cover don\u2019t necessarily have to be expensive; anything essential to running your business is worth protecting.<\/span><\/p>\n            <div class=\"names_shortcode\">\n                <a href=\"https:\/\/acn.ionos.co.uk\/aff_c?offer_id=3&amp;aff_id=8964&amp;url_id=309\" data-wpel-link=\"external\" target=\"_blank\" rel=\"noopener noreferrer\">\n                    <img decoding=\"async\" src=\"https:\/\/cdn-brand.s3.eu-west-1.amazonaws.com\/assets\/images\/242634_Domains_Banner-Cooperation_QCF_325x340_UK.png\"\n                        alt=\"FREE .co.uk Domain Name.\"\n                        class=\"names_shortcode-mobile\">\n                    <img decoding=\"async\" src=\"https:\/\/cdn-brand.s3.eu-west-1.amazonaws.com\/assets\/images\/242634_Domains_Banner-Cooperation_QCF_980x150_UK.png\"\n                        alt=\"FREE .co.uk Domain Name.\"\n                        class=\"names_shortcode-desktop\">\n                <\/a>\n            <\/div>\n        \n<p><span style=\"font-weight: 400;\">This could be anything from a hairdryer (if you run a hair salon from home) to a top-of-the-range camera (if you\u2019re a professional photographer). It can even include items like card machines, without which you wouldn\u2019t be able to receive payment for your work.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Business equipment insurance covers your kit against damage, theft, and loss, helping you quickly get back on your feet and keeping your business running, even if something happens to your tools.\u00a0<\/span><\/p>\n<h3>Business contents insurance<\/h3>\n<p><span style=\"font-weight: 400;\">Business contents insurance is similar to business equipment, but it protects more than just your business tools. Your home office might contain other valuables like stock or furnishings, which you can\u2019t afford to lose.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With business contents insurance, you can keep these high-value items safe 24\/7, whether you have a home office or work from the garage.\u00a0<\/span><\/p>\n<h3>Directors&#8217; and officers&#8217; insurance<\/h3>\n<p><span style=\"font-weight: 400;\">Company directors, directors, and managers have great responsibility and ongoing obligations. If you hold one of these leadership roles in your company and work from home, directors\u2019 and officers\u2019 (D&amp;O) insurance is handy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This business insurance protects you personally rather than your business should someone accuse you of any wrongful acts relating to your position as a director or officer. This includes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Breach of trust<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Breach of duty<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Neglect<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wrongful trading<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Negligent errors<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Health and safety failure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Breach of company rules and regulations<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If someone makes a claim against you for any of the above reasons, D&amp;O insurance can help with the legal cost of defending yourself from allegations, any financial losses you might experience as a result of the claim, and the cost of legal representation.\u00a0<\/span><\/p>\n<h3>Cyber insurance<\/h3>\n<p><span style=\"font-weight: 400;\">If you work from home, you most likely rely on the internet and technology to run your home-based business. For instance, to communicate with customers, store client data, run your website, and process payments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unfortunately, cyber security breaches and threats are a common problem, especially for businesses. According to the <\/span><a href=\"https:\/\/www.gov.uk\/government\/statistics\/cyber-security-breaches-survey-2024\/cyber-security-breaches-survey-2024#:~:text=Identification%20of%20cyber%20security%20breaches%20and%20attacks&amp;text=Half%20of%20businesses%20(50%25),in%20the%20last%2012%20months.\" data-wpel-link=\"external\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">government\u2019s cyber security breach survey 2024<\/span><\/a><span style=\"font-weight: 400;\">, half of businesses report having some form of cyber attack in the last 12 months. Figures are higher for SMEs, with 70% saying they\u2019ve had technical breaches.\u00a0<\/span><\/p>\n            <div class=\"complete_package__shortcode\">\n                <a href=\"https:\/\/www.qualitycompanyformations.co.uk\/fully-inclusive-package\/\" data-wpel-link=\"internal\">\n                    <img decoding=\"async\"\n                        src=\"https:\/\/cdn-quality.s3.eu-central-1.amazonaws.com\/assets\/custom\/images\/blog\/qcf-blog_sidebar.png?v=4\"\n                        alt=\"Fully Inclusive Package\"\n                        class=\"complete_package__mobile\"\n                    \/>\n                    <img decoding=\"async\"\n                        src=\"https:\/\/cdn-quality.s3.eu-central-1.amazonaws.com\/assets\/custom\/images\/blog\/qcf-blog_banner.png?v=4\"\n                        alt=\"Fully Inclusive Package\"\n                        class=\"complete_package__desktop\"\n                    \/>\n                <\/a>\n            <\/div>\n        \n<p><span style=\"font-weight: 400;\">Cyber insurance could help keep your digital information safe and ensure it doesn\u2019t fall into the wrong hands. This policy can protect you against third-party liability and first-party losses, like fund transfer fraud and system failure.\u00a0<\/span><\/p>\n<h3>Thanks for reading<\/h3>\n<p><span style=\"font-weight: 400;\">Running a business from home isn\u2019t risk-free. Whether your work is entirely computer-based, you host clients at home, or you\u2019re frequently on the move, several types of business insurance can help safeguard your business and the tools you need to do your job.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We hope this blog has helped you understand the different types of business insurance that could benefit you if you work from home. To find the right protection for your home-based business, don\u2019t forget to shop around for the best deals, coverage, and providers that meet your individual needs. <\/span><\/p>\n"},"excerpt":{"rendered":"<p>Whether you\u2019re a freelancer, contractor, self-employed, or own a limited company, there are certain types of business insurance you might need if you work from home. Ensuring that you have the correct cover is essential to protect you, your business, and your customers.\u00a0 In this blog, we highlight the key types of business insurance that&hellip;<\/p>\n","protected":false},"author":27,"featured_media":12608,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false},"categories":[114],"tags":[],"class_list":["post-12575","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-advice","category-114","description-off"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Business Insurance You Might Need If You Work From Home<\/title>\n<meta name=\"description\" content=\"Running a business from home isn\u2019t risk-free. Find out about the different types of business insurance you might need if you work from home.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.qualitycompanyformations.co.uk\/blog\/business-insurance-working-from-home\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Business insurance you might need if you work from home\" \/>\n<meta property=\"og:description\" content=\"Running a business from home isn\u2019t risk-free. Find out about the different types of business insurance you might need if you work from home.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.qualitycompanyformations.co.uk\/blog\/business-insurance-working-from-home\/\" \/>\n<meta property=\"og:site_name\" content=\"Quality Formations Blog\" \/>\n<meta property=\"article:published_time\" content=\"2024-07-27T17:37:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-30T10:46:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.qualityformationsblog.co.uk\/wp-content\/uploads\/2024\/07\/Shutterstock_2455134705.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"750\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"James Dobran\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"James Dobran\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Business Insurance You Might Need If You Work From Home","description":"Running a business from home isn\u2019t risk-free. Find out about the different types of business insurance you might need if you work from home.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.qualitycompanyformations.co.uk\/blog\/business-insurance-working-from-home\/","og_locale":"en_GB","og_type":"article","og_title":"Business insurance you might need if you work from home","og_description":"Running a business from home isn\u2019t risk-free. 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