Home business insurance

Get tailored quotes in 7 minutes

Home based business ownr workign on laptop

Business from home insurance

Whether it’s a side hustle or your full-time job, every business faces specific day-to-day risks. If someone was to get injured on your property, or you made a professional mistake, is there a possibility you’d receive a claim for compensation? Your business set-up brings these risks closer to home, so a tailored insurance policy can provide a backstop.

Remember, home and business insurance are two different things. Our policies can provide cover for your business activities, but you’ll usually need separate home insurance for your personal property and activities.

  • home business insurance, UK-based customer service and claims team
  • rated 4.8/5 based on 39K+ public liability customer reviews
  • cover for what you need, like your products, stock, and equipment


Home-based business insurance – what’s covered?

Typically, we start with public and product liability insurance for home businesses, covering you against accidents and damage to third parties and their property – for example, if a client has an appointment at your home and slips on your wet hallway floor. From there, you can add stock and equipment insurance, professional indemnity cover, plus employers’ liability cover for anyone working for you.


How much does home business insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.74 per month

Get your tailored quotes in 7 minutes

Example home business insurance quotes, real prices

axa

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

£100

£2500

Employers’ liability

No excess

No excess

Tools

£60

£500

Stock

£100

£500

Business and office equipment

£50

£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.


How it works

Pick what goes into your policy

Get prices from a range of insurers

Buy online in minutes

Direct to
insurer

Highstreet
broker


How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions


How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£51 million in claims paid out in 2023


Business from home insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about home business insurance in the UK. You can also check out our business insurance FAQs.

There’s no legal requirement in the UK to have specific home business insurance in place. However, even if it’s a side hustle and you’re only working with a few clients or orders, your home business carries risks – to you and your customers, as well as suppliers and employees, if you have any, and anyone visiting you at home.

Public liability insurance, as well as product liability, can cover you if someone makes a claim against you for injury or damage. For example, a client might slip on your wet hallway floor, causing a back injury. Or maybe you’re running a small catering service and someone gets ill after eating your products.

You can also add professional indemnity insurance for loss-causing errors in your work, stock and tools insurance for your essential kit and supplies, plus employers’ liability cover, which is usually a legal requirement if anyone is directly working for you.

We’ve put a bit more detail in the first FAQ, but like most home businesses, cake decorators may find insurance handy. It can cover you for risks like a product causing injury, or something happening to your stock and equipment.

Remember, if you employ anyone, even from home, employers’ liability insurance is usually a legal requirement.

Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a plumber, you may also do building work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.

You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

  • one-off credit or debit card payment
  • BACS payment
  • Direct Debit

If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions


Helpful articles for home businesses