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 150,000 UK customers**
- Over 3,000 5* reviews
From £3.14* a month
Get a quote for work from home insurance today
Choose the category that best suits your business. We can accommodate sole traders, limited companies, freelancers, self employed individuals and small businesses for a range of services and activities.
Pet Business
Therapist
Hairdresser
Personal Trainer
Other business
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.
Always check your policy documents to confirm your activities are covered and review any relevant exclusions.
Public Liability
Professional Indemnity
Employers' Liability
Business Equipment
Public Liability
- Up to £10 million of cover available.
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Loss of Keys
- Key Cover up to £10,000.
- Cover includes new keys and locks, the cost of re-setting intruder alarms and associated call-out costs if you were to lose them.
Care, Custody & Control of Animals
- Cover up to £100,000 – £25,000 limit for any one Animal.
- If an animal in your care (or your staff) is: Accidentally lost; Suffers an injury; Becomes ill; Suffers a fatality.
Business EquipmentÂ
- £250 of business equipment included as standard.
- Increase up to £30,000 of business equipment cover.
- Grooming, training and other business tools covered.
- Protection against theft, loss and accidental damage, allowing you to replace items to the value you select.
Non-Negligent Cover
- Similar to the Care, Custody and Control protection If an animal suffers during the course of service delivery through no fault of your business:
- Accidental loss, Injury & Illness, Death of an animal in your care.
Close Family Extension
- Close family members are covered within the Public Liability, to assist you with your business. This includes your husband, wife, son, daughter or other close family.
- You don’t need to take out Employers’ Liability with this extension.
Loss of Money
- Cover for losses up to £1,000 or £5,000 of physical money (coins or notes) obtained through your insured activities. This money is covered while at your business premises, your home, or the home of any partner, director, or authorised employee, as well as when in transit for business trips.
- Up to £1,000 of cover for losses due to dishonest acts by any employee. Claims must be made within 14 days of discovering the loss, and you should take all reasonable steps to prevent such losses.
Travel Expense Reimbursement
- If a pet in your care is accidentally killed, stolen, or goes missing for more than 48 hours, we’ll cover the owner’s extra travel expenses. So, if the owner has to cut their holiday short because of their pet’s death, for example, we’ll reimburse up to £1,000 of their extra costs.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Legal Expenses
- Up to £10,000 indemnity for legal defence and tax protection.
- Access to 24-hour helpline, for legal, tax, or counselling, to support you in running your business.
Professional Indemnity
- Up to £1 million of cover
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees.
Personal Accident
- Up to £25,000, subject to those insured being under eighty (80) years of age.
- This policy covers specified individuals for any accidents that may occur while conducting the insured business activities. It is a benefit policy that provides fixed amounts based on the type of injury sustained, including coverage for accidental death, loss of sight or limbs, and temporary total disablement.
- Dog walkers are limited to walk a maximum of 6 dogs at one time.
- Dogs or crossbreeds of dogs classified under the Dangerous Dogs Act 1991. Refer to government websites for updates in the law.
- Pre-existing medical conditions in animals.
- Injuries to animals you own can occur during incidents that happen while caring for other animals or during your personal time.
- Caring for non-domestic animals.
- Your business operating without a licence when a licence is a mandatory requirement e.g. animal boarding.
For further information on exclusions in your cover please refer to policy documentation.
Professional Indemnity and Professional Treatment
- From £1 million to £5 million of cover.
- Protection from claims by a third-party (client or member of the public) who sustains injuries or has their property damaged as a result of your actions or advice that you provide.
Third Party Property Damage
- Cover for any non-negligent loss or damage to others’ property that you may cause while providing your therapies.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Business Equipment
- From £500 to £3000 worth of cover
- Cover is provided on a new for old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Equipment Hire
- From £750 worth of cover
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Treatments you are not qualified to do.
- Treatments that are not listed on your proposal form and subsequent schedule of insurance.
- Any services provided overseas.
- Prescription or supply of medicines and other pharmaceutical.
- The use of non-proprietary products to aid your therapy.
For further information on exclusions in your cover please refer to policy documentation.
Public Liability for Professional Treatment
- From £2 million to £10 million of cover.
- Protection from claims by a third-party who gets injured during an appointment or has their property damaged.
- Cover for the professional treatments you provide including protection if a treatment you perform causes injury or damage, such as harm to a client’s hair or an adverse reaction to a product.
Equipment & Stock
- Up to £250 of cover included, with a £75 excess.
- Add up to £12,000 worth of cover at additional rates.
- Cover is provided on a new for old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Equipment Hire
- Cover for the cost of temporarily hiring equipment, if you make a valid claim under the Equipment and Stock section of your policy.
- This will occur whilst your items are being repaired or until your claim is settled, whichever happens first.
Third Party Property Damage
- Cover for any non-negligent loss or damage to others’ property that you may cause while providing your barber services.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Treatments you are not qualified to do.
- If a customer dislikes their cut or treatment.
- Damage to electrical equipment, mobile phones and computer equipment used to support your business.
- Any liability cover for a premise used for the provision of the business.
- Injury to customers resulting from the use of substances, unless a sensitivity patch test has been done on those customers, at least 24 hours before you use it.
- Treatments and activities performed overseas.
For further information on exclusions in your cover please refer to policy documentation.
Public LiabilityÂ
- From £1 million to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged as a result of your actions.
Professional Indemnity
- From £1 million to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged as a result of advice that you provide.
Business Equipment
- £500 worth of business equipment included.
- Add up to £30,000 of business equipment cover.
- Protecting business equipment, you need for your business from loss, damage and theft.
Employers’ Liability
- £10 million worth of cover.
- Protection against liability allegations made by Employee’s and includes cover for damages rewarded and defence costs.
Personal Accident Cover
- Protection for the person(s) insured, should they suffer a bodily injury caused by an accident at the business or club insured.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Overseas Extension
- Work abroad for up to 30 days a year.
Select Europe or Worldwide (excluding the USA).
Legal Expenses
- Cover for up to £100,000 of cover for Legal Defence, tax protection and access to specialist help-lines.
- Option to include cover for employment, property and contract disputes, as well as health and safety appeals, jury service, court attendance and licence protection.
- Coaching any activity without the relevant qualification.
- Equipment left visible and/or in an unlocked vehicle and where the vehicle doesn’t have evidence of damage by forcible and violent means.
- Any pre-existing medical condition unless specifically agreed by us.
- Participant vs Participant – Contact Sports, we do not include cover for injury and/or damage suffered by one Participant and caused by another Participant whilst engaged in Contact Sports.
- Property owners / occupiers’ liability, we do not provide cover connected to operating and managing a premise, fitness studio or gym. This cover is for instruction / coaching only.
For further 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
Therapy 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 06/10/2025. 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 150,000 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.
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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 06/10/2025. 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 Sep 2024
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