HOME INSURANCE FOR COUNSELLORS
When operating a counselling business from home you need to be sure that your home insurer is aware that you run a business from home and is happy to cover you. This is particularly important if visitors are coming to your property, in case of accidental damage or injury.
WHAT DOES HOME BUSINESS INSURANCE COVER?
The level of cover that you need will vary depending on the way that you run your business, and the contact that you have with people from outside the business. The main types of cover to search for include home business public liability insurance and business equipment insurance.
PUBLIC LIABILITY INSURANCE:
This is essential for clients visiting your house. It will protect your home business if a client or other visitor is injured at your property, or if their personal property is damaged somehow. Homeprotect offers public liability insurance up to £5 million.
BUSINESS EQUIPMENT INSURANCE:
Repairing or replacing damaged equipment that you depend on to run your business can quickly mount up as well as impacting trading. With insurance in place for your business equipment you can protect computers, office furniture and stock in some cases.
As a professional counsellor working from home, Homeprotect can offer you house insurance with business use cover included, making it easier for you to look after your property with one policy. Home business insurance is a specialist type of insurance that takes the impact of your business operations into account while also covering your house and its contents.
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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.
Covers the main structure of your home if you need to rebuild or repair it.
up to £1 million
(eligibility criteria applies)
Covering the value of all your possessions in the home, on a new for old basis. Business equipment (e.g. desktop computers, photocopiers, printers, office furniture) is covered up to £3,000 per claim (a higher claim limit is available if you need it). Laptops and mobile phones worth less than £1,500 each are covered as standard inside the home – more expensive electronic gadgets can be covered as an optional extra.
For you and your pets, in case you can’t live at your home while it’s being repaired after an insured event.
up to £85,000
Covers emergencies that occur in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.
up to £500
Family legal protection
Provides a 24/7 legal advice helpline and up to £25,000 cover for claims involving contract disputes and property damage. For a claim to be successful, there must be reasonable prospects (more than a 50% chance) of winning the legal case. Two levels of cover are available.
up to £25,000
Trace and access
Covers the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.
up to £10,000
Covers rebuild or repair of your outbuildings (such as detached garages, greenhouses, sheds and summerhouses).
Liability cover involving accidental death, bodily injury or illness or property damage that you are legally liable to pay. There is a claims limit of £100,000 for incidents arising out of the supply of food and drink to paying guests.
up to £5 million
Cover for portable items that you take out of your home, like bags, clothes and sports equipment
Gadgets, bikes and valuables away from the home
Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes) and valuables (e.g. watches and jewellery) that you take out of your home.
Covers situations when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes. Two levels of cover are available. No cover is provided for any area of the home used by paying guests.
What’s covered by HOME insurance with business use?
Home insurance provides financial protection if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.
It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.
What we offer
Quick home emergency response times
Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.
Extreme weather conditions may extend response time. Policy terms and claim limits apply.
5 star rated buildings cover
Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.
Any buildings work we undertake is guaranteed for 24 months following a claim and any contents repair work we undertake is guaranteed for 12 months.
New for old
Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.
We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.
What isn’t included?
Damage cause gradually, or by wear and tear, or by failure to fix a known issue.
Faulty design or poor workmanship.
Theft, vandalism or accidental damage caused by a paying guest.
The cost of repairing or replacing items following a mechanical or electrical fault.
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