Business From Home

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Our Business From Home policy is designed to cater for a range of trades and professions operating from the policyholders’ home.

Introductory no claims discount available at new business.
No claims discount available at renewal.
Standard excess of £100 for Contents and Buildings with £50 or £200 options available.
Option to insure Specified Items e.g. Laptops, Mobile Phones and photographic equipment away from the home.
Option to include Home Contents – limit £100,000.
Option to add accidental damage to Business Contents.
Loss of Income included as standard.
The Contents section is extended to include the replacement of locks following the theft of keys up to £1,500.
Public Liability and Employers Liability extended to include Court Attendance Costs connected to a claim up to £250 per day for each director/partner and £100 per day for each employee.
Injury to Working Partners is included for Partnerships and Limited Liability Partnerships under Employers Liability.
Advice lines for health and medical assistance, emergency assistance, glazing, legal advice and counselling.
The contents section is extended to cover £1000 of Business Stock per third party storage site. Up to a maximum of £5000 per period of insurance.

Cover	Maximum Limits The amount in brackets denotes the standard limit provided.
Business Contents	£100,000
Public/ Products Liability	£5,000,000 (£2,000,000)
Loss of Income	£500,000 (£50,000)
Goods in Transit	£25,000
Money	£5,000 (£3,000)
Personal Accident (Assault)	Capital Benefits £10,000

Cover	Maximum Limits
Buildings	£3,000,000
Employers Liability	£10,000,000
Specified All Risks	£25,000
Legal Expenses – Employment Disputes and Compensation Awards, Legal Defence, Property Protection and Bodily Injury and Tax protection	£100,000
Personal Accident	Capital Benefits £50,000
Household contents	£100,000