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Home Worker

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Working from home
This guide explores the pros and cons of working from home and what you need to consider.

Keeping your house in order

Home Worker Insurance provides essential cover for manual and non-manual trades that are run from home.

Loss of business income covered

Business contents covered

Interest free monthly payments

You can get an instant quote for Home Worker Insurance by completing the online form or by calling the Essential Business Insurance Centre direct on 0800 048 4362 (open 8am to 6pm Monday to Friday).

The Complete Home Working policy arranged and underwritten by Allianz Insurance plc offers tailored cover for businesses that provide services to companies and the manufacturing of goods from home - and require cover for their business liabilities and contents as well as the option to extend their cover to include their buildings.

Standard cover includes

Business contents
Employer’s, Public and Products liability and legal expenses
Business interruption

Exclusions

EBI does not provide protection for those engaged in the following:

Roofing contractors: external cladding/roofing/guttering contractors, whether flat felt or wooden roof,
Entertainment and Events: events organisers, fairground rides, fashion exhibitions and pubs with entertainment more than twice a month,
Residential lets: asylum seekers, DSS and students, flats on short term lease and hostels,
Market traders, mobile shops and food vendors, pawn brokers, and jewelers,
Nursing Homes.

Please refer to the Policy Summary and Policy Document for full terms and conditions, including exclusions, claims and complaints.

Optional extras

Cover for buildings, home contents and personal possessions
All risks on business equipment and computer breakdown

Spread your payments by interest free direct debit to help manage your cashflow.

How do I apply for home workers insurance?

Online

Complete our online form to receive a quote.

By Phone

Call the Essential Business Insurance Centre direct on
0800 048 4362 (open 8am
to 6pm Monday to Friday)

Lloyds TSB Commercial is a trading name of Lloyds TSB Bank plc and Lloyds TSB Scotland plc and serves customers with an annual turnover of up to £15m.
Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority under numbers 119278 and 191240 respectively.
Licensed under the Consumer Act 1974 under registration numbers 0004685 and 0198797 respectively.
We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.
Both companies are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes’ eligibility criteria not all Lloyds TSB Commercial customers will be covered by these schemes.)
Lloyds TSB Commercial Finance is a trading name of Lloyds TSB Commercial Finance Limited.
When using these products and services your agreement will be with a Lloyds Banking Group company whose terms and conditions will apply.

Lloyds TSB Bank plc and Lloyds TSB Scotland plc act as agents for Lloyds TSB Insurance Services Limited, Registered office: 25 Gresham Street, London EC2V 7HN who act as introducers to Allianz Insurance plc for Essential Business Insurance, which is arranged, administered and underwritten by Allianz Insurance plc, Registered office: 57 Ladymead, Guildford, Surrey, GU1 1DB. Registered in England No 84638. Both companies are authorised and regulated by the Financial Services Authority. Lloyds TSB Insurance Services Limited is not part of the Allianz (UK) Group.

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.