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Small and Home Business Insurance
This site deals primarily with UK
opportunities, although some may also be available in other
countries. If you are based outside the UK, please click
here for the
international site.
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If you're working form home, you will be
invalidating your home insurance policies if you do
not tell your insurance company that you are
operating a business from the premises. Providing
you are not bringing clients to the property it is
unlikely to cause any problems with the majority of
companies, but now is an ideal time to reassess
your insurance requirements.
- Is your business equipment covered by your
household policy?
- Are you covered for portable business items
- mobile phones, laptop computers etc
- Do you have public liability insurance? You
will need this for any accidental damage caused
whilst carrying out your work.
- Employer's liabilty insurance is compulsary
if you employ anyone, even casually (or even
yourself if you've formed a limited company)
- If you hold any stock at home you will need
cover whilst in the home and in transit. You may
also require products liability insurance
- If you are providing a service, you may
require professional indemnity insurance(PII).
Insurantz.com is the latest service offered by specialist insurer JLT|Online. Focussing on specific insurance areas, in this case the smaller business, they have a wealth of experience and expertise in providing policies customised to customer’s specific needs.
Moving the entire process online has made finding that perfect policy easier than ever. In fact, there are
just four steps between quote and full cover, so in mere minutes a business can have a tailored policy up and running.
Insurantz.com make the following price promises:
- Prices are guaranteed for 24 months
- If premiums go down, yours does too
- They’ll pay double the difference if you find a better deal
- Nothing to pay for 28 days
- Free cancellation within 14 days
- If you make a claim, you don’t pay more
- They don’t charge start-ups extra
- No claims mean lower premiums
*Full details and conditions are available at www.insurantz.com
Quoteline
Direct are a fully registered independent
insurance broker, who will search their list of top
UK companies to find you the cheapest and best
prices available.
The on-line home insurance quotation system will
give you an indicated price, but won't take your
homeworking or home business into account, however,
in most cases they will be able to quote normal
terms. So whatever your requirements they will be
able to offer you a very competitive quotation.
Please complete the on-line quotation forms and
then give them a call on the number given on screen
to discuss the quotation further.
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Tolson Messenger Ltd
Provide a comprehensive home business policy
underwritten by Commercial Union, suitable for the
majority of office-based businesses, with optional
extensions to cover manufacturing style businesses.
A free business tax and legal helpline is included
in the cost.
They also provide a PII policy with lower levels
of cover more suited to the self-employed
professionals.
Ask for their free guide to insurance for people
working at home.
For further advice or information, phone 0800
374246, fax 0181 741 8361 or write to 148 King
Street, London, W6 0QU
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Donald Rigg Insurance Brokers
Ltd is an insurance brokers who have
designed a specific home insurance package for
people in non-manual home-based occupations. They
agree that a home that is used for business is
inherently less likely to be burgled, that any fire
or flood will be discovered sooner, and therefore
that this is a 'good' risk. They have therefore
designed a policy to cover:
- Buildings
- Personal Contents
- Personal effects, jewellery, etc away from the home
- Business Contents
- Business equipment, laptops, mobile phones, etc away from the home
- Extra cost of working engendered by an incident eg. Cost of
replacing records, hiring temporary
equipment, notifying customers and suppliers of changes of address, etc.
- Public Liability
- Employer's Liability
They would normally expect to cost very little
more than your existing home buildings and contents
cover to add the homeworking cover.
You can contact them at 32 Halifax Road,
Todmorden, Lancashire or Tel 01706 813848 Fax 01706
818469


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Norwich Union
- Their small business insurance has been designed to meet
the commercial insurance needs of the self employed, tradesmen,
sole traders and businesses with up to 5 employees:
- who work from home,
- whose business is based at home, or
- who work out of a third party site,
but do not own, lease, hire or rent any additional business premises from
which they operate. A complete copy of the policy document is available on the site
Cornhill Insurance - Contact your local insurance broker about
Cornhill's Complete HomeBusiness insurance policy.
Swinton's
Business Insurance policy provides professionals based at home with
"competitive rates on comprehensive policies". Online quote service available.
Specialist Insurance Cover
Pavilion Insurance provide a wide range of specialist insurance policies, covering
such sectors as music and photography at professional, student and hobby levels, together with cover
for laptops, phones and other gadgets.
The products include:
- Cycleguard - bicycle insurance
- Musicguard – musical equipment insurance
- DJguard – insurance for DJs and their equipment
- Gizmoguard – insurance for gizmos and gadgets
- Tackleguard – fishing tackle insurance
- Photoguard – camera insurance
- Liabilityguard – third party liability cover
- Orchestralguard – insurance for orchestral instruments
- Indemnityguard - Photographer indemnity insurance
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If you have a business you'd like
featured on the site, send details of the
opportunity to the address below for the latest information on rates and availability.
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enquiry@homebusinessuk.co.uk
or write to:
Mrs L O'Connor, 91B Acton Lane, London,
NW10 8UT
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