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As a house sitter you’re in a position of responsibility, and your business reputation relies on keeping other people’s homes safe and secure. But if something goes wrong, you need a house sitting insurance policy that can help you out.
House sitter insurance from Simply Business starts with public liability insurance, which could pay a compensation claim if you accidentally damaged something belonging to the homeowner, for example.
You can add other covers too, like employers’ liability insurance if your house sitting business employs any staff, and legal expenses insurance to cover costs arising from things like HMRC tax investigations.
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Apart from employers’ liability insurance (usually compulsory if you have any staff) it’s up to you to decide whether you need insurance for your house sitting business and to choose the cover you need. Also check whether your clients and any agencies you work with expect you to have particular insurance.
Public liability insurance can protect you against injury or damage claims made by members of the public, including the homeowners of the houses you’re looking after. For example, if you spilled a glass of wine on a client’s carpet and they sued you for the replacement cost, your public liability insurance could cover the legal costs and compensation claim. Some of our providers even cover the cost of replacement keys and locks if the keys to the house are lost.
Employers’ liability insurance is usually a legal requirement if you have a house sitting business that employs staff. Other covers you can choose to add to your policy include business legal protection insurance and business interruption insurance. You can also add personal accident insurance, which covers you 24/7, allowing you to make claims for injuries sustained both inside and outside of work.
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.