Bookkeeping insurance
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Home insurance when operating a bookkeeping business from home
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.
OFFICE EQUIPMENT
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.
PUBLIC LIABILITY
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.
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.
Home Insurance with business use Reviews
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What’s covered by HOME insurance with business use?
What we offer
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours
Response times may vary during extreme weather. Policy terms and claim limits apply.
5 star rated cover
Our insurance has received the highest rating from independent financial researchers, Moneyfacts.
Repair guarantee
We guarantee any buildings work we arrange after a claim for two years. Contents repairs are guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t covered?
There are some things we can’t cover, including:
Gradual damage, wear and tear, or issues you knew about but didn’t fix
Faulty design, construction, or workmanship.
Damage caused by poor maintenance or neglect
Items you don’t own or aren’t legally responsible for
Items stolen from unoccupied vehicles
Damage caused by pets.
Mechanical or electrical breakdown
Keeping your home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled.
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Home Insurance with business use Cover Levels
Our home insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Buildings cover
Protects the main structure of your home, including attached garages and conservatories, and permanent outdoor features such as patios, driveways and boundary walls.
up to £1 million
(more cover available if you need it)
Contents cover
Protects your household contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis. There is a standard limit of £10,000 for business equipment (although this can be increased by our underwriters).
from £25,000
Alternative accommodation
We’ll help cover the cost of temporary accommodation for you and your pets if your home becomes uninhabitable due to an insured event. If you stay with friends or family instead, we’ll cover your extra living costs.
up to £75,000 (Buildings)
up to £10,000 (Contents)
Home emergency
Covers sudden, unexpected emergencies — like an uncontrollable leak — that require immediate action to prevent damage or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Trace and access
We’ll pay to detect the source of a water or oil leak, and cover the cost of reinstating floors, walls or paths that were disturbed in the process.
up to £10,000
Outbuildings cover
Covers detached garages, greenhouses, sheds, summerhouses and other outbuildings within your boundary or any communal area you’re legally responsible for.
from £20,000
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
Personal possessions
Covers items you wear, carry or use outside the home (e.g. clothing, bags and sports equipment).
Optional
Gadgets, bikes and valuables away from the home
Optional cover for mobile phones, laptops, tablets, watches, jewellery, hearing aids and other high-risk items you take out of your home.
Optional
Accidental damage
Optional cover for unexpected mishaps around the home — such as breakages, spillages or damage caused by you, your guests or wild animals. Two levels of cover are available.
Optional
important exclusions
- No cover for business tools or stock unless agreed by underwriters
- No cover for business money
Business Definitions
Business Equipment: Equipment used to run your business, such as computers, printers, monitors, routers, office furniture, and electronic gadgets, such as mobile phones and laptops.
Business Tools: Items used directly to perform a trade, craft, or service — such as scissors, clippers, kilns, or power tools. Not covered unless agreed by underwriters.
Business Stock: Items intended for sale — like bought-in products (e.g. clothing, cosmetics) or materials used to make goods (e.g. clay, fabric, paint). Completed handmade items are not covered.
Business Money: Cash used in the course of business — such as float money or takings. Not covered under this policy.
We may be able to extend cover for Business Tools and Business Stock following a referral to our underwriting team. We can also increase the Business Equipment claim limit beyond £10,000, if approved.
New Customer?
If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.
Existing Customer?
Find answers to some of your questions here. Your latest policy documents are also available to view and download.
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