This insurance policy is suitable for people, who are running businesses from their home or connected land.
While you’re busy running your business from home, we’ll get busy protecting both.
Running an animal business from home can be very rewarding but it can also come with some risks. That’s why you need a broker who understands what cover you need to protect both.
The home comforts of knowing you are properly protected
It can be confusing to understand what’s covered and what’s not. Is your existing home insurer comfortable with you running a business from home? Do you need extra protection for possessions you take away from the home?
We are here to give you peace of mind that your home and livelihood are fully covered should the worst happen.
We’ll make sure you get the cover you need, whilst running a business from you domestic home and covering your personal possessions.
- Accidental Damage to buildings and contents
- Unauthorised use of bank cards following theft
- Legal Liability to the Public
- Pedal Cycles for theft or accidental damage
- Domestic freezer contents
- Temporary accommodation costs
- Injury to domestic staff
- Valuables away from the home
- Personal possessions away from the home
- Legal Expenses
- Pedal cycles for theft or accidental damage away from the home
- Unauthorised use of bank cards following theft away from the home
- Theft or damage of mobile phones away from the home
- Accidental Damage to buildings and contents
- Unauthorised use of bank cards following theft
- Legal Liability to the Public
- Pedal Cycles for theft or accidental damage
- Domestic freezer contents
- Temporary accommodation costs
- Injury to domestic staff
- Valuables away from the home
- Personal possessions away from the home
- Legal Expenses
- Pedal cycles for theft or accidental damage away from the home
- Unauthorised use of bank cards following theft away from the home
- Theft or damage of mobile phones away from the home
What can be insured?
Buildings
We will cover:
- The cost of repairing or rebuilding your home, up to a maximum amount of £1.5 million, plus loss of rental earnings and temporary accommodation costs.
We don’t cover:
- Wear and tear or any other gradually occurring causes. For example, damp formed over a period of time due to poorly maintained guttering or the mechanical or electrical failure of a television
Contents
We will cover:
- Repairing or replacing the contents of your home.
- Temporary removal of your contents to other premises
- Temporary accommodation
- Replacing food in your fridge or freezer up to £500
- Repairing or replacing bicycles.
We don’t cover:
- The cost of replacing undamaged items that are part of a set or suite following loss or damage to a matching item(s)
- Any property held or used for business purposes
- Any damage caused by domestic pets or pets in your care.
Pedal Cycles
The cost of repairing or replacing bicycles following theft or accidental damage.
Public Liability
We will cover:
- Your liability as a home owner or tenant for bodily injury or property damage caused to another person. For example if someone trips on the pathway to your home and is injured.
- Your responsibility for bodily injury to your domestic staff. For example your cleaner trips on loose carpet and falls down the stairs.
Money & Bank Cards
We will cover:
- Theft or accidental loss of money and any amounts which you become legally liable to pay as the result of unauthorised use following theft or loss of your bank cards.
Personal Possessions away from the home (optional)
You can add optional cover for the cost of repairing or replacing valuables and personal possessions which are stolen, lost or damaged whilst away from your home, including mobile telephones and jewellery.
Excesses
- Standard excess – between £100 and £250
- Escape of water – £250
- Subsidence – £1,000
