Home-based workers' insurance

Home-based business cover

Many of the world’s most successful companies started in a spare room – but even if you work from home, it’s still vital that you’re properly insured. With Simply Business you can combine covers such as public liability, professional indemnity, and business contents insurance to build a single business insurance policy, all in one go. It’s quick, quality cover, without the hassle.

Selling products online?

We can cover your online trade, with specialist online business insurance, built for businesses that sell on the web.

Cover from £6.77 a month, get insured in minutes. (10% of direct debit customers repay their annual policy in 10 monthly payments of £6.77 or less across all our trades insured. Based on data from 1 Jan 2021 - 31st August 2021, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

Working from home insurance

Get an expert run-down from Simply Business chief operating officer Chris Slater, explaining which covers you might need if you work from home.

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What insurance do I need if I work from home?

Public liability insurance is often an important cover for businesses, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.

Home business buildings insurance can save you money by combining buildings insurance for your home and your home office into a single policy, covering you against damage caused by disasters like fire or flooding. Remember, you’ll need to buy your home contents cover separately.

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

Why Simply Business?

• Over 800,000 customers (and counting)
• Online quotes, in under 10 minutes
• Claims handled by an award-winning team
• Quote comparisons from multiple insurers
• An expert, UK-based contact centre

All of this, plus expert insight and connections in our Knowledge Centre, full of tips, articles, videos, and podcasts to help you run your business.

Home worker insurance policy details

• Make sure you read your policy documents carefully and that you understand any exclusions that may apply
• Find out what level of professional indemnity insurance your clients might expect before you buy
• If you employ people, even in your own home, you’re legally obliged to take out employers’ liability insurance. Not doing this could lead to a heavy fine