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home insurance for counsellors

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  • Business equipment covered.
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David Joyson

Written by

David Joyson

Home Insurance Expert & Customer Champion

Libby Goodsearles

Reviewed by

Libby Goodsearles

Head of Marketing

Less than 1 minute

Updated: 8 Apr 2024

HOME INSURANCE WHEN OPERATING A COUNSELLING BUSINESS FROM HOME

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.

Buildings cover

Covers the main structure of your home, including attached garages and conservatories, if you need to rebuild or repair it following an insured loss. Also covers permanent outdoor structures such as driveways, patios and boundary walls. 

£1 million

(more cover available if you need it)

Contents cover

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.

from £25,000

Alternative accommodation

Covers the cost of alternative accommodation for you and your pets, together with reasonable expenses (e.g. travel, food, laundry) if you can’t live in your home (or where you’ve been advised to evacuate) due to an insured loss.

up to £85,000

Home emergency

Covers sudden, unexpected emergencies, such as uncontrollable water leaks, that require immediate corrective action to prevent or limit damage to your home, 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 following an insured loss. There must be reasonable prospects of winning and the incident must have occurred during the policy term. Two levels of cover are available, for different types of insured loss.

up to £25,000

Trace and access

Covers the cost of detecting the source of a water or oil leak to your home or outbuildings. Includes reinstating any wall, floor, ceiling, drive, fence or path removed or damaged during the search (up to the claim limit).

up to £10,000

Outbuildings cover

Covers rebuild or repair of your outbuildings (e.g. detached garages, greenhouses, sheds and summerhouses) that are within the boundary or a communal area you’re legally responsible for, if you need to rebuild or repair them following an insured loss.

from £20,000

Liability cover

Covers damages and claimants’ costs and expenses for your legal liability in the event of accidental death, injury or illness to a third party, or damage to property belonging to a third party. 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

Personal possessions

Covers items likely to be worn, carried or used by you away from your home (e.g. bags, clothes and sports equipment) in the event of physical damage or theft. Cover provided anywhere in the world.

Optional

Gadgets, bikes and valuables away from the home

Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes), valuables (e.g. watches and jewellery), equipment (e.g. hearing aids) and other expensive or high risk items that you take out of your home.

Optional

Accidental damage

Covers sudden, unexpected and unforeseen events around the house (e.g. spillages or breakages) that result in physical damage and which was caused by you, your guests, a third party or wild animals. Two levels of cover are available. No cover is provided for any area of the home used by paying guests.

Optional

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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.

Repair guarantee

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.

Legal advice

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.

Lost items.

Business stock.

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?

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