Work From Home Business Insurance
Work From Home Business cover for a range of services & activities from £3.14 per month.*
- Public Liability included
- Join over 180,000 UK customers**
- Over 3,000 5* reviews
From £3.14* a month
What does work from home insurance cover?
Our business insurance provides the essential liability cover you need to protect your work-from-home business from potential claims, giving you peace of mind while you operate securely and avoid financial losses. Whether you provide online services, virtual consulting, therapy, freelance work, or small-scale home-based activities, we offer the protection you need to run your business confidently.
All our policies include core liability cover, with the option to add extras tailored to your home-based business. You can include business equipment cover for work laptops, tools, and other essential items, employers’ liability if you hire staff, additional legal protection, and a range of other customised add-ons — ensuring your policy matches your business activities and scale.
Our flexible cover is ideal for sole traders, freelancers, and small businesses offering multiple services from home. Protectivity’s policies adapt as your business grows, helping you stay properly insured while only paying for the cover you need.
Cover may vary depending on your trade or profession. Get a quote to see the full range of options available for your business.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Indemnity
Employers' Liability
Business Equipment
Public Liability Insurance
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Professional Indemnity Insurance
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees, if you have the correct employers’ liability insurance.
Employers’ Liability Insurance
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Equipment Insurance
- Protection against theft, loss and accidental damage, allowing you to replace items to the value you select. For the tools and equipment, you rely on to earn a living.
Stock
- If your stock is lost, damaged or stolen, it can be covered up to the value you select.
Legal Expenses Insurance
- An option to include cover for employment, property and contract disputes, as well as health and safety appeals, jury service, court attendance and licence protection.
Cover may vary depending on your trade or profession. Get a quote to see the full range of options available for your business.
- We provide tailored policies service sectors including pet care, hair and beauty, manual trades, events, and fitness. That way, you only pay for cover that’s relevant to your work.
Public Liability for tradesman
Protection against claims from third parties (e.g., a member of the public) who suffer injuries or have items of their property damaged due to your actions. This does not include third-party property that forms part of the working contract site.
Claims for damage to property that is part of the construction or worksite itself are excluded under public liability. For instance, if the contractor is working on a site owned by someone else and the property forms part of the construction project, such damage would not be covered by this insurance. However, this can be included by adding Contract Works cover.
Cover may vary depending on your trade or profession. Get a quote to see the full range of options available for your business.
Employers’ Liability
- Up to £10 million available.
- If any employee suffered physical injury or a fatality because of the employer’s negligence. If that staff member sought compensation, the insurer would handle the cost of the claim.
- If you employ any staff members, Employers’ Liability is a legal requirement.
Contractors Works
- Up to £250,000 worth of cover
- This cover can protect you against loss or damage to any permanent or temporary works you’re responsible for, including all the materials.
Plant & tools hired
- Up to £50,000 worth of cover.
- Covers you for loss of or damage to, hired tools and equipment, temporary buildings, caravans, or similar that you have hired in connection with any contract works being undertaken by you.
- Cover also includes your legal liability for hiring charges following damage to any hired property.
Plant & tools owned
- Covers your tools and equipment, temporary buildings, caravans, or similar on-site that are owned by you and used in connection with any contract works being undertaken by you.
- Covers your tools and equipment off-site if locked in an unattended vehicle. This is only available as an extension of plant & tools owned cover and covers your own portable tools, including power driven portable tools and business equipment, when kept in a locked vehicle and left unattended.
Employees tools & personal effects
- This covers tools and personal items owned by your employees while on any site, or those you’re responsible for under a joint working agreement.
- It’s not available as a standalone cover but comes with either Contract Works or Owned or Hired Plant & Tools cover, with protection up to £500.
Financial Loss
- Protection from claims from other parties relating to financial losses not directly consequent upon bodily injury or damage.
- Cover for bona fide subcontractors, who should have their own insurance.
- Claims for financial losses relating to non or late delivery of products to third parties.
For information on exclusions in your cover please refer to policy documentation.
Why do people who work from home need insurance?
Business insurance is a smart and responsible way to manage the risks of running a work-from-home business. It not only helps you meet any legal requirements but also protects your business, assets, and anyone you may work with, giving you support when unexpected challenges arise.
Even with the best intentions, accidents and mistakes can happen. Protectivity’s specialist business insurance is designed to cover claims resulting from unforeseen incidents. Here are some examples of situations where a claim could occur:
Public Liability
Public liability protects you if someone is injured or their property is damaged because of your work.
Even in a home-based business, accidents can happen — a client could become injured from a treatment you are providing, or you could accidentally damage a client’s property while working remotely. Even minor incidents can result in significant claims and legal costs. Public liability cover from Protectivity helps protect your business against these financial risks, safeguarding both your finances and your reputation.
Employers' Liability
If you employ staff, even part-time, temporary, or casual workers, this cover is a legal requirement.
If you hire staff, even in a home-based business, there’s a risk they could suffer an accident or become ill due to their work and hold you responsible. Employers’ liability insurance from Protectivity protects your business by covering claims and associated costs. It’s also a legal requirement in the UK — without it, you could face fines of up to £2,500 per day in addition to large compensation payouts.
Professional Indemnity
If your business provides advice, designs, training, or services, mistakes can be costly.
If your advice or work doesn’t meet a client’s expectations, they could suffer financial loss and make a claim against you. Professional indemnity insurance from Protectivity helps protect your home-based business by covering claims of negligence, mistakes, or poor guidance that could otherwise be financially damaging.
Business Equipment cover
Your tools, kit, or stock are often essential for earning a living.
Even when running a business from home, your business equipment — like laptops, tools, or other essential items — can be damaged, lost, or stolen. Replacing them can be costly, and being without them can disrupt your work and income. Business equipment insurance from Protectivity helps your business recover quickly from these setbacks, keeping your operations running smoothly.
Our experts explain why...
“Business insurance provides vital protection for your home-based business against a wide range of potential risks — from liability claims to financial losses affecting clients or third parties. Without the right cover, these incidents could have serious financial consequences. Protectivity’s business insurance ensures you can focus on growing your business with confidence, knowing you’re protected against the unexpected.”
Chris Trotman, Protectivity Underwriting Manager
How much does work from home insurance cost?
At Protectivity policies start at just £3.14* a month.
The cost of business insurance can vary depending on your circumstances. For example, if you employ staff even from home, you’ll need employers’ liability cover, which can increase the premium.
Investing in specialist business insurance is more than just financial protection — it also shows clients and partners that you run your home-based business professionally and responsibly. Every small business operates differently, which is why our policies are flexible, allowing you to pay only for the cover you actually need.
Prices from
£3.14* a month
Explainer quote
Policy cost
£3.14* a month
Policy type
Therapist Insurance
Duration
Annual
Turnover
£50,000
Public Liability
£1,000,000
Professional Indemnity
£1,000,000
This example is based on a real quote from our website on 05/01/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your work from home insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
What type of business cover is useful if I run my company from home?
For home-based businesses, a combination of public liability, professional indemnity, and equipment cover is often useful. Protectivity’s work from home insurance can be tailored to include these core protections, helping you cover claims from clients, mistakes in your work, or damage to your essential business equipment.
Do I need public liability insurance for client visits to my home office?
If clients visit your home, you will need home insurance liability cover. You would need to either buy home insurance that includes personal liability for permitting the insureds customers into your home for business purposes or contact your current home insurer to question whether this is covered on your current home insurance policy. Our policy does not provide cover for this.
Is professional indemnity relevant if I provide services from home?
Professional indemnity insurance is important if you provide advice, consultancy, or other services from home. It covers claims for financial loss caused by mistakes, negligence, or poor advice, protecting your home-based business from serious financial consequences.
Will business equipment used at home be insured?
Yes, with equipment cover. Protectivity’s business insurance can include protection for laptops, tools, and other essential business equipment used at home. This ensures you can replace or repair items quickly if they’re lost, stolen, or damaged.
Am I insured if I sometimes work from coworking spaces or cafes?
Yes, as long as your policy includes cover for business activities away from home. Protectivity’s policies can be tailored to protect your business when working offsite, so you’re covered while meeting clients or using coworking spaces.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 05/01/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data