Employees working from home
Many home insurers accept occasional or regular clerical work by employees without any change, but it’s worth checking. Equipment provided by your employer is usually their responsibility, not your home policy’s. If colleagues or clients visit, or you keep company stock at home, tell your insurer.
Running your own business from home
If you’re self-employed or run a company from home, tell your insurer. Depending on what you do, you might need extra cover for business equipment, stock, money, visitors and liability. See home business insurance for a cover-by-cover breakdown.
Quick self-check
- Do clients or customers visit? → public liability.
- Do you keep stock or tools? → stock or business contents cover.
- Do you employ anyone at home? → employers’ liability / workers’ comp.
- Do you hold customer data? → cyber.
- Do you give advice? → professional indemnity.
Last updated: 30 September 2026
