In the current economic climate, the number of small businesses being set up from home has been on the rise. It is worth noting however that becoming your own boss can create certain insurance requirements, and if your current policy isn’t suitable, your business activities may leave your entire home uninsured.
Working from Home Insurance
GSI Insurance Services (Southern) Ltd. have specialist schemes that offer the working from home insurance extension. The extra cover may include:
- Office Contents and Computer Equipment – This can include desks, shelving, chairs, printers etc.
- Stock – If you’re operating as an online retailer, or hold parts for servicing and repairs, cover can be provided. It’s not worth the risk of losing one of the biggest assets your business holds.
- Employer’s Liability – A legal requirement if you employ any staff. We can offer standalone products, or a standard level included in your policy, dependant on your needs.
- Business Money – Particularly if you deal with clients on a face-to-face basis, you will tend to handle cash or cheques often. It may be worth investing in a safe, not only will this increase the amount that the insurer will cover, but it makes the money you take so much more secure.
- Business Interruption – The Working from Home insurance extension provides some protection from a number of eventualities that may slow your business down, or prevent you from trading.
Working from Home Insurance
Depending on the size of your business and the type of work you undertake, you may have more specialist requirements that you may not have anticipated or considered, especially if clients come to your home, or you hold a high value of stock. This could mean arranging one policy for the business on it’s own, and one for the home insurance. Our experienced advisors will tailor a policy to suit your exact needs, giving you a working from home insurance policy that works for you, at competitive rates.
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