When operating a counselling business from home it is recommended that you take out counselling insurance. This is particularly important if visitors are coming to your property, in case of accidental damage or injury.
What does counselling 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.
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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.