For our best Homeworkers Insurance deals, we need to talk, call us on:
0208 616 4161
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Home Office Insurance Quote? Working from Home Insurance Quote? Let’s talk...
As an independent insurance broker trust us to obtain the best insurance quote for your business.
If you are one of the growing number of professionals running a small business from home our specialist Homeworkers Insurance Policy is just for you. Unfortunately, most household insurers will not cover business equipment or public liability arising from business activity at your home.
Homeworkers / Home Office Insurance policies combine household insurance with business insurance and save you money.
Homeworkers / Home Office Insurance Policy can be extended to include:
- Home Buildings Insurance
- Contents Insurance
- Business Contents Insurance
- Business Money Insurance
- Employers Liability
- Public and Products Liability
- Your liability as occupier, employer, tenant and in a personal capacity
- Accidental damage to audio, video and computer equipment
- Contents temporarily removed from the home
- Contents in outbuildings and in the open
- Replacement locks if keys are lost or stolen
- Legal Expenses Insurance
- Optional Accidental Damage Cover
- Personal Belongings
- Business Interruption (with an option for Book Debts)
- Specified Business Equipment
- Business Frozen and Refrigerated Food
- Goods in Transit
- Personal Accident
- Alternative accommodation following an insured loss
- Glass / Blinds / Business Signs
- Multiple Trades
- Book Debts
- Business Money
- Denial Of Access
- Machinery Breakdown
Home Office Insurance / Homeworkers Insurance FAQ’s
What will my Home Office Insurance / Homeworkers Insurance cover?
Typically a Home Office Insurance package quote provides comprehensive cover including protection against the following:
- Fire
- Lightning
- Explosion
- Aircraft
- Impact by road vehicles
- Impact by animals
- Riot or civil commotion
- Malicious persons
- Earthquake
- Storm
- Flood
- Escape of water from any tank apparatus or pipe
- Theft
- Accidental Damage
Can you provide a Home Office / Homeworkers Insurance if I trade as a limited company?
Yes. Being an independent insurance broker we can provide Home Office Insurance quotes for
- Sole Traders working from a Home Office
- Partnerships working a Home Office
- Limited Companies operating from a Home Office
Can I get cover for business money?
Yes. Our Home Office / Homeworkers Insurance products can extent to include cover for business money. Typically business money is covered;
- Whilst in the building of your Home Office
- In Transit between Home Business premises and the bank
- In Transit to and from the Home Business Premises in the custody of the Insured or an authorised Employee (e.g. whilst in transit from a customer to home business premises
- In a locked safe in unattended buildings at the premises
- Out of safe in unattended buildings at the premises
Limits of cover and conditions will vary depending on the insurer. Please contact our quote team for further information.
Do I need separate liability insurance or will a Home Office / Homeworkers Insurance include this as standard?
Public Liability and Employers Liability are optional extras so you can include one or both of these covers under our Home Office / Homeworkers Insurance policy.
- Home Office Insurance Employers Liability Cover - £10 Million
- Home Office Insurance Public Liability Cover - Optional Quotes available for £1 Million, £2 Million or £5 Million.
Home Office / Homeworkers Insurance can be extended to include liability away from the home business premises.
Can I pay for my Insurance in installments?
Yes. We offer all our clients the opportunity of paying for their Home Office Insurance by direct debit. A deposit and interest charge will apply.
What type of security do you require to offer my business a cheap home office insurance quote?
As a minimum most Home Office insurers will require you to have 5 lever mortice deadlocks conforming to BS3621 to all external doors and key operated window locks to all opening windows at ground floor level and any openings accessible from roofs, downpipes etc above ground floor level on all entrance and exit doors.
Can I arrange my Home Office insurance over the phone?
Yes you can either call our Homeworkers Insurance quote team or visit our office at 177 Lea Bridge Road Leyton London E10 7PN. This is one the many advantages of dealing with a local independent insurance broker.
What does Home Office / Homeworkers Insurance Legal Expenses Cover?
Typically cover is up to a specified limit (e.g. £50,000) and can be extended to provide legal expenses cover against:
- Consumer Matters
- Residential Matters
- Personal Injury Matters
- Tax and VAT matters
- Contract Disputes
- Debt Recovery
- Statutory Licence Protection
Coversure Insurance Services Leyton London Branch is an Independent Insurance Broker and proud to be a member of The British Insurance Brokers’ Association (BIBA).
BROKER BENEFITS - BIBA members treat customers fairly
BIBA members work to achieve your best interests. So they will:
- ask you about your insurance needs so they can search for a suitable policy
- make your choices clear by telling you the range of products they offer
- explain any professional advice they give to you - clearly and honestly
- make sure you understand what is, and is not, covered by your policy
- clearly state the costs of your policy - including any fees they may charge
- give you clear information and documents - as well as any help you need with the
- paperwork - to make sure your policy is in place promptly
- explain their support for you in the event of you making a claim
- explain the right to complain if you are dissatisfied with your policy
- explain the right to cancel if you change your mind about the policy
About Brokers
An Insurance broker is a professional firm regulated by the Financial Services Authority (FSA) whose prime purpose is to help customers find suitable cost effective insurance protection. Brokers can give advice on numerous issues including support in the event of a claim. Brokers are the agent of the client; they represent the client's interests. BIBA members provide advice, guidance and choice on a range of risk management services and insurance products.
Source: www.biba.org.uk
