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Whether you entertain paying guests at your bed & breakfast, teach piano or have a home based artisan craft and garden centre, we can shape a home business insurance package which will keep you covered without breaking the bank. We’ll take into account the relevant factors such as your type of business, number of visitors, whether you employ staff and the location, size and type of your property. We’ll give you an individual insurance package that makes sure that you can rest easy.
If you’re running a business from your home, then your home insurer needs to know. Quite simply if this isn’t declared and the worst happened then your insurance could be invalid. You could be facing the costs of repairs to your home and contents. Highworth Insurance can put a home business insurance package together for you that takes the worry away at a reasonable cost.
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Dependent upon your circumstances, with Highworth Insurance you can select the elements of a working from home insurance package which best apply to you and your business needs.
Full standard cover with options to include:
Full standard cover to include accidental damage. Contents cover can include business equipment such as PC’s.
If you have expensive jewellery then there’s no need to worry. Remember, most insurers won’t cover expensive jewellery if you’re operating a business with people visiting your home.
Most business owners know that it’s a sensible precaution to have public liability insurance.
As an employer you take on the liabilities associated with being an employer and in particular meeting the requirements of the Health and Safety at work act 1974.
Product liability insurance gives you a safety net when the manufacturer may not be liable as you’ve sold something in an unsafe condition.
There are options to cover just your home and domestic related matters or extend to include a full business package such as:
We would always recommend that you read policy wordings and key facts documents to fully appreciate the cover and any exclusions and limitations.