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Home-based Business Insurance
Compare insurance for home-based businesses
Protect your business activities when working at home
Compare quotes from trusted insurers
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance, including for home-based businesses
Get tailored cover to protect against claims from visitors, the public and more
Get the protection you need with no needless extras that you don’t want
What is...
home-based business insurance?
Running a business from home comes with plenty of perks - no commute, flexible hours and the comfort of working from your own space. But even home-based businesses can face risks. Home business insurance can help protect you from the unexpected, like client claims, damaged stock, or a home office disaster.
Whether you’re a freelancer, a crafter, or running a full business from your spare room, we’ll compare quotes to help you find cover that's right for your business.
What kind of home-based businesses get insurance?
If your home is your HQ, we’re here to help. As an example, we can cover:
- Freelancers and consultants working from home offices
- Crafting and creative businesses selling handmade products
- Online sellers storing and shipping stock from home
- Home-based beauty, therapy, or wellness services
- Professionals offering remote services, like IT support or design
- Mobile businesses that sometimes work at home
Even if you can’t see your business on the list, it’s likely we can still help. Get in touch with us today by starting a quote online.
Why do home-based businesses need insurance?
Running a business from home doesn't mean you’re risk-free. Sufficient insurance can help cover you for situations like:
- A client or visitor slips and falls in your home office
- A client claims your professional advice or services caused them financial harm
- You’re unable to work due to an illness or injury
- Your stock is damaged to an insured event
- A fire or flood damages your home office
What does home business insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Public liability insurance
In case you injure someone or damage something while providing your services
Product liability insurance
In case a product you have sold, manufactured, or designed injures someone or damages something
Professional indemnity insurance
In case a customer sues you for damages because of a mistake in your work.
Tool Insurance
Protects against theft, loss, or damage to your essential tools.
Stock and contents insurance
In case your stock or equipment is stolen or damaged by flood or fire.
What doesn’t it cover?
While home-based business insurance covers plenty, you’re likely to see the following exclusions:
- Intentional damage – Damage caused on purpose isn’t covered.
- Neglect – Failing to maintain or secure your workspace can void your policy.
- General wear and tear – Normal ageing or wear on your equipment isn’t included.
Your business insurance cover can help to cover business activities only carried out in your home, it is not the same as home insurance, you will need separate cover for this. Always tell your home insurance provider if you are running a business at home.
Insurers and policies vary per provider, double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t.
How much does home-based business cover cost?
Because all home-based businesses are different, it’s difficult to give a solid figure for what you’ll be paying for this insurance without speaking to a broker. This is because your business is unique, and prices depend on a number of factors, including:
- Extent of cover — The more cover you opt for, the more expensive your package will likely be.
- Your insurer — Depending on who is willing to insure you, the price for their policies will vary.
- Location — The location of your business is taken into consideration when calculating the cost of your premiums.
Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums.
Get your insurance sorted with Bionic
Running a business from home gives you freedom, but it also comes with its fair share of risks. At Bionic, we compare business insurance quotes from trusted suppliers to find tailored cover that protects your work, your home, and your peace of mind.
Start your quote online today, or speak to our friendly team for support.
Standard home insurance typically won’t cover business activities at home. Arrange business insurance to help ensure you're protected.
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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