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Packages designed around you
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.
Why you need home business insurance
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.
Home Business Insurance designed to suit you
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- Home buildings and contents insurance to include business use, without unrealistic restrictions – even expensive jewellery or unusual buildings can be covered
- Public liability insurance of £2m to cover injury to a visitor
- Employee liability insurance up to £10m to cover anyone assisting you in the course of your business
- Legal expenses support, such as a breach of the Health and Safety at work act 1974
- Business interruption and alternative accommodation costs in the event of a relevant claim
What's included?
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.
Buildings insurance
Full standard cover with options to include:
- Accidental damage, such as breaking sanitary wear or putting a foot through a ceiling
- Unusual or listed buildings can be covered such as thatched properties
- We can even cover properties that have had a history of subsidence or flooding
Contents insurance
Full standard cover to include accidental damage. Contents cover can include business equipment such as PC’s.
- If you own a bed and breakfast or guest house we can even include accidental damage and theft by guests
Jewellery insurance
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.
- We can either include your jewellery in a specialist home business insurance policy
- Or we can offer one of our standalone jewellery insurance policies
Public liability insurance
Most business owners know that it’s a sensible precaution to have public liability insurance.
- This is particularly important that any policy covers the specific requirements of running a business from home where you receive visitors
- With public liability insurance, you don’t have to fret should there be accidents, trips or slips by visitors
Employee’s 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.
- Once you take on additional help then you technically become an employer
- This could be anybody – whether a cleaner, assistant or gardener
Product liability insurance
Product liability insurance gives you a safety net when the manufacturer may not be liable as you’ve sold something in an unsafe condition.
Legal expenses
There are options to cover just your home and domestic related matters or extend to include a full business package such as:
- Supplier contractual disputes for the sale and supply of goods
- Employment issues concerning contracts of employment or any employment related legislation
- Defence of criminal prosecutions and appeals against Improvement Notices under the Health and Safety at Work Act or the Food Safety Act
We would always recommend that you read policy wordings and key facts documents to fully appreciate the cover and any exclusions and limitations.
What do our customers say?
'A proactive, competitive company – a change from the norm!'
Very good at calling back, professional and diligent. The quote was also super competitive and we will be moving more of our insurance needs across to them in due course. It’s a rarity these days to find a company that does what it promises, and does it well. I would have no hesitation in recommending.
'Competitive, and hassle free application. Hope any claims are the same.'
The conscientiousness of the agents and their speed of answering queries – and a small discount persuaded me to change insurers. The efficiency of completing paperwork was excellent. Of course there have been no claims as of yet but otherwise a positive experience on a routine matter
'Easy to work with, makes the process a breeze, the team understand my needs'
They are great people to work with, Lisa now deals with all my insurance needs. They make it a breeze and if you need to make an amendment, they got you covered.
'Listened and made appropriate recommendations'
Spoke with many insurance companies after filling out an online form for quotes. Most asked to fill in the same information again over the phone. This got very tedious after the first five. Highworth listened, made suggestions and offered a very competitive price. An excellent service. Form filling on acceptance.
'Top of the class in every way'
Quick and helpful response followed by quick and efficient service at the highest professional level. Best encounter with an insurance service that I have ever had.
'Refreshingly uncomplicated!'
They answer the phone promptly, are friendly but professional. I didn’t feel I was talking to an automaton and the whole experience was refreshingly straightforward, uncomplicated and stress free. I would definitely recommend Highworth Insurance and will use them again in the future.
'Exceptional customer service'
I have a thatched cottage and only a handful of insurers will insure contents/buildings on these cottages. I found the gentleman that I dealt with really helpful and friendly and he sorted my insurance out for me. Several other insurers had on line quote forms and never got back to me with a quote. Their loss! I am not sure of the gentleman’s name, but he is a credit to your company.
'This is how it should be done!'
I called Highworth at the suggestion of my partner. I found Gemma very professional and helpful. The cover options she came back with addressed my requirement perfectly. Once I had forwarded confirmation of NCD the price reduced, great! Fantastic cover, good price, excellent service!!!
'Attentive and excellent service'
Highworth were recommended by a friend as they are specialists in listed properties and older properties. My contact was excellent and thorough and took time to explain the cover and options available. Once we had determined the key details and the price everything progressed very smoothly indeed.
'Highworth saved me £700 this year compared to Halifax!'
Excellent service. Helpful, pleasant staff member made the process of re-insuring my house very simple. Highworth resolved an ongoing ‘subsidence’ issue that has cost me thousands of pounds over the last decade!
'Great service and saved lots of money!'
Last year I bought my first house and had a real trouble trying to get house insurance because of ‘historical movement’ on the survey. This year I did a lot more research and came across Highworth insurance. I did an online form and got a call back really quickly from Clarise. Clarise was brilliant. Very professional, helpful and gave excellent customer service. She also managed to save me £150 for the year. Great company to use.
'Responsive and helpful throughout my quest for home insurance.'
I was particularly impressed with Jo Wilson who I found extremely conscientious, pro-active, immediately responsive and very helpful. I felt totally supported in what was a tricky situation where I was securing insurance for a house in a flood risk area. I felt that she was very much on my side.
'The right information clearly explained'
Excellent, straightforward information which covered all my needs and requirements. It was nice to get a clear explanation as to the difference between those who advertise they can insure you for £140 or so (which they can’t) and those who actually understand clients.
'Quick solution to a sudden problem'
Having moved home I suddenly needed to sort out my buildings insurance as my existing insurer said my current policy could not continue as I had moved into a leasehold flat. I didn’t realise I had a problem until I notified them of my change of address. The person dealing with my enquiry settled all my problems and issued a policy to cover my needs.
'Outstanding service from highly skilled professional – exceptional'
Outstanding service from an individual who was focused on finding the best policy for us. I would strongly recommend this company to others and to anyone who wants assurance that their home is well insured.
'Efficient, polite and knowledgeable service!'
From the first phone call to ask questions on the levels of cover available for our house renovations, through to the decision and policy purchase, the help and guidance provided by Daniel was superb. A very efficient, polite and knowledgeable service. Thank you!