Home business insurance

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  • Zurich
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  • Covea
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  • UK General
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Trusted by over 400,000 customers

Insuring businesses & landlords for over a decade

Satisfaction score of 9/10

For public liability insurance

Award-winning claims team

With a UK team available 24/7

Protect your home business in minutes

Home workers need just as much protection as every other business owner. You and your business are unique, and you need cover that’s tailored specifically to your needs.

With Simply Business you can build a single insurance policy in minutes, choosing from a range of vital covers including public liability, professional indemnity, and employers’ liability. You can also save money and hassle by adding buildings insurance, covering your home for both business and personal use.

Selling products online?

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

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Do I need business insurance if I work from home?

Simply Business chief operating officer, Chris Slater, explains the ins and outs of freelancing, and why business insurance may be vital for people working from home.

Watch more Simply Business videos

What insurance do I need for my home business?

Your conventional home and contents policy may not cover your business items, so you may need a dedicated business insurance policy. The type of cover you need depends on your type of business and the risks you face, but these are popular choices for home businesses:

  • Home business public liability insurance is worth considering if you have clients visiting your premises, as it can cover compensation payments and legal fees in the event of injury or property damage caused to a member of the public.

  • If you give advice or offer professional services to other businesses, then professional indemnity insurance is important to consider. It covers you in the event that a client suffers a financial or professional loss due to your negligence.

  • Business buildings insurance covers damage to the building your business is based in, as a result of disasters such as fire or flooding. As a home business owner, you can save money by having just one business buildings policy to cover your home and your office.

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.

Home business cover details

  • Make sure you read and understand the terms of your policy. With Simply Business you can read the policy documents in full 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
  • Consider asking potential clients what level of professional indemnity cover they expect before you buy your insurance

Why Simply Business?

  • Over 400,000 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.

Customer reviews

Our rating

Customer review

4.6 /5

Working out our score

Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist. For more details on how this works, click below.

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Customer testimonials

“Just taken out a policy with these people - great service.”

Claire Thomas, Shop

What our customers are saying

We value the reviews and ratings we receive from our customers, whether they’re good or bad. We use this feedback to continuously improve how we work with (and for) our customers.

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