Homeworker Insurance
Extra protection for you and your work.
To help you thrive, our homeworker extension means that whatever work activities you undertake from your home you can rest assured you're covered.
This cover is only available if you are taking out a new home contents insurance policy or when adding to an existing policy.
Insurance overview
Running a home-based business has many benefits: flexibility, increased productivity and potential cost savings too, to name just a few.
If you have your contents covered as part of your home insurance policy we have options that could suit your operation - whether your from-home business is run full-time, part-time or as a hobby.
What's covered:
- Damage to business contents while at your home: up to £20,000.
- Your legal liability in connection with your homeworker business for injuries to others or damage to their property - home insurance: from £2.5 million. NFU Mutual Bespoke Home Insurance: up to £10 million.
- Your legal liability in connection with your homeworker business, as an employer for injury to employees or damage to their property: up to £10 million.
- Damage to stock: up to £2,500.
- Increased cost of running your business following damage: up to 12 months and a maximum of £10,000.
- Money used in connection with your business in your home: up to £500.
- Money used in connection with your business in a locked safe at your home or in transit to and from a bank: up to £1,000.
- Business legal costs to provide you with advice and help with the cost of legal representation - home insurance: up to £50,000. NFU Mutual Bespoke Home Insurance: up to £100,000.
- Replacement of locks or lock mechanisms for outside doors, safes, strong rooms and intruder alarm systems at the business address if keys are lost or stolen: up to £1,000.
- Book debts, money owed by customers, including the costs of tracing them, following damage to business records: up to £25,000.
- Reinstating business books, documents and computer records: up to £2,500.
What's not covered:
- Any excess, which is the amount you’ll need to pay towards a claim, other than for Personal Accident. Your policy documents will outline where these apply.
- Damage or loss caused by lack of general maintenance, wear and tear, and loss of value over time.
- Any costs of replacing, repairing or restoring your items above the amount you’ve insured them for.
- Damage caused by theft or attempted theft by you, your family or any employee, tenant or guest.
- Theft of money from any unattended vehicle.
- Increased cost of working due to failure of main services resulting from an industrial dispute, a deliberate act or lasting less than 30 minutes.
- Reinstating records due to loss arising from a computer virus or for computer system records unless records are backed up on a weekly basis.
The features and exclusions listed are not exhaustive. Your cover will depend on your circumstances. Limits and exclusions apply.
