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Business Insurance For The Homeworking Professionals

Our panel of insurers have designed our homeworker insurance policies to cover the risks facing home-based professionals.
Unlike many insurers that offer a ‘one size fits all’ policy for both homeworkers and office based businesses, offering separate, specialist homeworker policies that can be tailored to the specific risks facing your home business. Without specialist homeworker insurance, a mistake in a piece of work, damage you cause to a client’s property or the theft of a laptop could cost your business thousands of pounds.If you are unsure which covers your business needs, we can help you tailor your homeworker insurance. Our simple quote system allows you to choose the cover you want at a premium you can afford.

We all know that accidents happen, lets get peace of mind that your are covered correctly and competitively going forward.

The Covers You May Need To Consider

Public and product liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. This is an important cover if you regularly deal with clients or members of the public. Limits range from £1m to £5m..

Professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and any compensation or damages subsequently awarded against you. This is vital protection for all homeworkers and insurance cover is available with limits ranging from £50,000 to £5m.

Our Experience & Relationships

We cover over 1,000 trade types, including most types of tradesmen: from engineers to designers, from cake makers to wedding planners. Just use the trade selector on our quote form to type in or select your trade.

We have over 50 years collective experience and relationships with underwriting specialists which have the capacity and understanding of the industry to write and place any homeworking risk.




Tailor Made Policies For Your
Business Needs

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Other Types Of Cover You Should Consider

Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.

Home office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.

Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14 day deferment period). In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out. If you would struggle to maintain an income if you were unable to work following the accident, you should consider having occupational personal accident insurance to help ease the financial burden. Limits from £100/week to £500/week for temporary total disablement (£25k lump sum to £100k lump sum for permanent total disablement).

Why Not Have The Best Cover For Whats Most Important For You

Legal Expenses Legal representation and employment disputes insurance pays your legal and representation costs, together with any award you are required to pay, following an employment dispute – for example, with another dance teacher that you employ in your business. It also pays costs and expenses for certain crisis management, identity fraud, official investigation, corporate manslaughter, pollution and data protection issues. Limit of £100,000.

Cyber and data risks insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients and their projects on computers and other internet connected devices, you should consider to this cover.

• Employers Liability Level of cover up to £10,000,000
• Specialist knowledge: we offer industry-specific policies to suit the risks you face
• Flexible policies: select from a range of cover levels to get the protection you need
• Amend your policy as your needs change
• Get a quote in minutes: online or by phone
• Premium finance available for Direct Debits

What Type Of Professional Are You?

We provide tailored insurance for most types of Homeworking professionals, such as:

  • Interior Designers
  • Structural Engineers
  • Pattern Designers
  • Cake Makers

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TAILOR MADE TO YOUR COMPANY NEEDS

Why Join Money Cornershop?

  • Join a huge network of happy customers
  • Claims managed by individual insurers
  • Experienced business insurance brokers
  • We can help you save on your business utilities
  • We can help you raise Finance for your business