Home help insurance

Professional indemnity

In case a client loses money because of your advice, services or designs.

What’s typically covered by home help professional indemnity insurance?

Claims against your business for:

• mistakes, errors, and negligence related to your work or the advice you give
• the costs involved in fixing problems with your work
• financial losses that your client believes were caused by your oversight

For example :

• you lose a client’s important documents or data and they claim for financial losses
• you publish a false statement that damages a person’s or business’s reputation
• you need to pay to fix a mistake or compensate your client following a dispute

Read more about professional indemnity insurance

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance for home helpers?

Claims against your business for:

• damage to someone’s property, caused by your business activities
• illness or injuries as a result of your business
• employees causing accidental damage or injuries

For example:

• while hosting a meeting, you leave a cable running across the open office floor and your client trips, spraining their ankle
• you serve a client sandwiches with a trace of sesame seeds, causing an allergic reaction
• your employee drops heavy equipment on your client’s floor, causing extensive damage

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your business

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• injuries to staff (including casual labourers and contractors) that are caused as a result of your business
• illness suffered by an employee (including temps and casual workers) caused by working for you

**Employers’ liability insurance is usually required by law if you employ anyone – including part-time staff, temporary workers, and in most cases, volunteers. Without it, you could be fined up to £2,500 for every day you don’t have cover in place. A main exemption is unincorporated family businesses where all your employees are family members.**

For example:

• your office manager breaks their finger while trying to close a faulty window at your business premises
• your receptionist trips over a cable running across the floor of your office, breaking their ankle
• a temp worker scratches their arm on one of your tools, and the injury becomes infected

Business contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

For example:

• a vintage glass cabinet is badly damaged following a break-in at your premises
• a leaking radiator damages some office furniture, which needs replacing or restoring
• the camera you use to take photographs of stock is stolen from your office

Read more about business contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business

What’s typically covered by business legal insurance?

Claims against your business for:

• VAT disputes
• theft of your company’s identity illegally
• compensation under data protection legislation

For example:

• HMRC is investigating your VAT affairs, triggered by seemingly incorrect figures on your return
• a fraudster steals your company’s bank details and buys goods to set up a new line of credit with banks or retailers
• a client is claiming you didn’t process their data in accordance with GDPR, and is seeking compensation

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

• accidental injury or death at work or elsewhere, for anyone covered on the policy
• lost income, medical costs, and hospitalisation benefit

For example:

• you twist your ankle while exercising and can’t work for over a week
• one of your employees, who’s named on the policy, traps their hand in a car door and needs to rest it for two weeks
• you’re working near a building site and an extremely loud noise results in sudden hearing loss

Read more about personal accident insurance

Excess insurance

In case you need to make a claim on your home help policy.

What’s typically covered by excess insurance?

Claims made by you for:

• when you make a claim on a cover included in your home helper insurance policy, you won’t need to pay excess

For example :

• strong winds cause severe damage to the roof of your property – you don’t have to pay the £250 excess thanks to your excess insurance
• a guest accidentally breaks a television during their stay at your property and thanks to your excess insurance, you don’t need to pay excess on the claim
• a guest’s child trips on a loose carpet and breaks their arm – they claim compensation and you don’t pay excess due to your excess insurance