Details and documents - Home business insurance

Many insurers will not provide cover if you work from home - you need to get the right cover through a specialist provider.

This is cover for your buildings and/or contents, which includes extended liability cover. At Towergate Connect we provide you with the option to extend your occupiers' and personal liability insurance to cover you for having visitors in your home in relation to your business.

There is also the option to cover equipment which is used specifically for your business, such as fax machines, computers and telephones.

Occupiers' and personal liability can be extended to cover business visitors while they are in the home and in connection with the trade. (Cover if the visitors are injured and the property owner is proven to be negligent. This does not cover loss of earnings.)

Key features of our child minders home business insurance

This policy applies to child minders who are registered with the local authority.

• Up to 3 children in care at any one time in addition to the child minder's own children
• The option (at extra cost) to extend liability insurance to cover children, parents or guardians whilst on the premises in connection with child minding activities

Exclusions for child minders

• Staff employed to assist in child minding activities
• Extension of liability will not include cover for any acts or advise given by the child minder
• Accidental damage cover whilst children, parents or guardians are on the premises

Key features of our bed and breakfast home business insurance

Home business insurance for bed and breakfasts.

• Up to 6 guests and 3 rooms being used by guests at any one time
• Guests' belongings whilst they are in the boundaries of the property, provided they are not covered under any other insurance policy
• Loss of earnings if unfit for paying guests (up to £100 per week for 8 weeks)
• Occupiers and personal liability is extended to include guests in relation to your bed and breakfast accommodation

Exclusions for bed and breakfast cover

• Legal liability arising from the trade, profession or employment is expressly excluded
• Money taken in connection with the business or trade stock
• Tools of the trade or business equipment - such as plumbing tools, cameras and musical instruments
• More than 10 business visitors a week
• The first £250 for escape of water claims, £1,000 for subsidence/heave/landslip claims and £50 for all other claims

Policy documents

• Insurance policy summary (PDF 35kb)
• Insurance policy wording (PDF 391kb)
• Insurance quotation form (PDF 135kb)
• Terms of business (PDF 80kb)