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Insurance for Home-Based & Remote Businesses
The rise of remote working and home-based businesses has changed the risk landscape for UK companies. While operating from home can reduce overheads, it can also create serious insurance gaps if the business relies solely on standard household insurance.
Insure24 provides tailored home office and remote business insurance to protect your equipment, liabilities, data and income - whether you work alone or manage a distributed team.
Why Standard Home Insurance Is Often Not Enough
- Business equipment and IT assets
- Client or visitor injury claims
- Professional advice and contractual risk
- Data protection and cyber incidents
- Loss of income following a claim
Key Insurance Covers for Home Offices & Remote Businesses
Business Contents & Equipment
- Computers, monitors and servers
- Mobile devices and laptops
- Office furniture and specialist kit
- Equipment used away from home
Public Liability Insurance
- Client or courier visits to your home
- Injury or property damage claims
- Third-party legal defence costs
- Landlord and lease requirements
Professional Indemnity
- Advice, design or consultancy risk
- Client financial loss claims
- Breach of contract allegations
- Claims made after work completion
Cyber & Data Protection
- Data breaches and ransomware
- Remote network vulnerabilities
- GDPR and ICO investigations
- Business interruption from cyber events
Who Needs Home Office & Remote Business Insurance?
This cover is suitable for a wide range of modern UK businesses operating fully or partly from home.
- Home-based sole traders
- Remote-first companies
- Consultants and freelancers
- Digital, tech and professional services
- Hybrid businesses with no fixed office
Why Arrange Home Office Insurance with Insure24?
- Clear separation from home insurance
- Remote-working risk expertise
- Flexible cover options
- Fast, competitive quotations
- UK-based claims support
FREQUENTLY ASKED QUESTIONS
+-Is home office insurance different from home insurance?
Yes. Standard home insurance rarely covers business equipment, liability or professional risk.
+-Do I need insurance if clients never visit my home?
Yes. Risks such as professional liability, cyber incidents and equipment loss still apply.
+-Is cyber insurance important for remote businesses?
Yes. Remote working increases exposure to data breaches and cyber attacks.
+-Can cover include equipment used outside the home?
Yes. Portable equipment can be insured wherever business activities take place.
+-How quickly can cover start?
In many cases, cover can start the same day once details are confirmed.