Recording a company’s financial transactions is a necessity in any sector. Identifying, approving and recording each transaction so that they can easily be retrieved from the relevant account means that bookkeepers are essential for managing a business. Not every business requires someone full-time and in-house though.
If you are a bookkeeper working from home, either for a firm of accountants or for private clients, then you should take care to insure your home business against mishaps.
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Unless you are operating a very traditional setup that is still using ‘books’ then you will want to insure your office equipment. The cost of replacing office equipment can be very high. You might not realise it as using every day tools like your computer or printer are likely second nature, but imagine if you had to replace your office ware after a flood. Not only would your home be affected but being unable to recover quickly could put your business and reputation at risk too.
If you meet with clients face-to-face then it’s important that you also have adequate bookkeeper’s public liability insurance. This will protect you from unfortunate incidents involving visitors, such as a client being injured while on the premises. Public liability insurance for your home business can cover legal fees and compensation payments after a claim. HomeProtect offers public liability insurance up to £5 million.
Since you are providing a vital service for businesses it’s best to insure against risks which could not only impact your professional life but your home life as well.
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Taking out the home insurance with business use was a lot easier than on other providers websites . We also had to amend some of the policy details after taking the policy out and that was dealt with really fast over a phone call. Trustpilot, 17 Feb 2022
After shopping around I settled on the policy from Homeprotect as the terms and conditions matched my previous policy, but it was around £150 cheaper. The online forms were easy to understand and it was simple to set up. Trustpilot, 3 Jan 2022
Excellent cover and several hundred pounds cheaper that my previous insurance. Also, very helpful staff on the phone. Trustpilot, 27 May 2022