Home-based Business 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.

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

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.

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. 

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.