Home Worker Insurance

Our Complete Home Working cover is available:

• For businesses operating  from the owner’s home
• Across various business sectors
• From small enterprises to larger operations 
• Where protection  for assets, liabilities and earnings is required

So if you run your business from your home, and are looking for flexible cover choices, this package could provide cover for you.

Get a Home Worker Insurance quote      Retrieve a Home Worker Insurance quote

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc

For some trades, cover is unavailable online. If your trade is not listed in the drop down box in the 'Your Business' section when you click through to get a quote, please call the Business Insurance Centre on 0800 048 1669

Key Features

• Business Contents – including riot, storm and theft by forcible entry cover
• Money and Personal Assault – up to £10,000 cover for cash on the premises (£1,000 if not held in a locked safe)
• Goods in Transit– select from £2,000 to £10,000 (excludes some goods, including livestock and jewellery)
• Deterioration of Stock – £2,000 cover as standard for stock in a cold chamber or freezer. Higher limits available   
• Business Interruption – covers loss of Gross Profits as a result of an insured incident
• Book Debts – covers outstanding debts that cannot be traced if accounts are destroyed or damaged
• Legal Liabilities – including £2m of products and public liability (higher limits available) and £10m of employers’ liability cover
• Legal Expenses – up to £100,000 for defending your legal rights

With options to add:

• Buildings cover – including £2m of property owners liability cover 
• Home Contents – including £2m of personal liability cover
• Personal possessions – includes worldwide cover for up to 60 days
• Specified All Risks cover – covers damage to property in the UK, EU or worldwide, as specified by you
• Personal Accident cover – various levels of compensation for serious accidental injury or death (up to age 70)

And to help your cash flow there’s no interest to pay for spreading your payments by monthly direct debit and no charges for making changes to your cover.

For more details of the significant benefits and exclusions that apply, please take a look at the Complete Home Working Insurance Policy summary or for full details of all the terms and conditions the Complete Home Working Insurance Policy document before you buy. Terms and conditions apply to the benefits listed.

If this product does not meet your exact business insurance needs call the Business Insurance Centre on 0800 048 1669.

If you do not have Adobe Acrobat installed on your system please use this link to get the free Acrobat reader plug-in.

Complete Home Working Core Covers

• Business Contents – with accidental damage cover as standard
• Money and Personal Assault  - (age limits of 16 to 70 apply to Personal Assault cover) 
• Goods in Transit – selectable from £2000 to £10,000
• Deterioration of stock - £2000 as standard for loss of stock held in freezers or cold chambers 
• Business Interruption – cover for loss of gross profits as a result of an insured incident, with up to £10,000 for interruption caused by damage at suppliers premises
• Book Debts – covers outstanding debts that cannot be traced if accounts are destroyed or damaged following an insured  event
• Products & Public Liability – covers legal liability for accidental injury or damage caused by your products, or your business to members of the public, up to £2m as standard 
• Employers Liability - covers legal liability for death or injury to your employees, up to £10m
• Legal Expenses  - up to £100,000 for defending your legal rights in a variety of proceedings, in connection with your business  

Optional Covers

• Buildings – with optional accidental damage and subsidence cover
• Home contents – including up to £500 for contents in the garden
• Personal Possessions – includes £500 cover for unauthorised use of credit cards
• Specified All Risks cover – includes cover for data processing and ancillary equipment
• Personal Accident cover – age limit of 70 applies

Additional Benefits

• 24 hour Legal Advice Telephone Helpline – for advice on any business legal matter
• 24 hour Legal Online Service – business support to help you produce legal paperwork in connection with your business
• Policy can be extended to include terrorism cover for an additional charge 
• Higher limits of cover may be available for some coverages

For more details of the significant benefits and exclusions that apply, please take a look at the Complete Home Working Insurance Policy summary or for full details of all the terms and conditions the Complete Home Working Insurance Policy document before you buy. Terms and conditions apply to the benefits listed.

Get a Home Worker Insurance quote      Retrieve a Home Worker Insurance quote

If this product does not meet your exact business insurance needs call the Business Insurance Centre on 0800 048 1669.
Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc.

If you do not have Adobe Acrobat installed on your system please use this link to get the free Acrobat reader plug-in.

See below for the most common questions that get asked about Complete Home Working insurance products.
If you have any specific questions about your current policy or the Home Working Insurance policy call the Business Insurance Centre on 0800 048 1669.

Q: How long is a quote valid for?
The quote will remain valid for up to 60 days from the quote date.
Q: How far in advance can I get a quote?
You can get a quote anytime, but it will expire after  60 days, so it’s best to get one no more than 60 days before you need cover to start.
Q: What if I don't know the date of a previous claim when completing my application?
It is important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you need.
Q: What if I don't know the amount of a previous claim when completing my application?
It is important that you provide accurate information in respect of previous claims as failure to do so may invalidate your policy or result in a claim not being paid. Please contact your previous insurer who should be able to provide the details you need.
Q: How many claims can I have had previously?
In order to get an online quote your business must not have been subject to more than two incidents, losses or claims (or the total value of all claims must not exceed £5,000) within the past three years. If this is not the case you may still be able to get a quote for Essential Business Insurance but you will need to call the Business Insurance Centre on 0800 048 1669.
Q: What are the exclusions on this policy?
The full list of exclusions, as well as full terms and conditions, can be found in the policy wording. Alternatively a summary of the significant exclusions can be found in the policy summary. In addition, when you get a quote any additional exclusions or conditions specific to you will be explained and then detailed in your policy schedule.
Q: What are the standard excesses?
The main standard excesses on this product vary by section as follows:

Business Contents - £100 ( £1000 for subsidence)

Business Interruption - £1000 for subsidence claims only

Legal Expenses - £1750 for employment claims, otherwise £500 

Buildings - £100 for claims cased by malicious damage, glass breakage, water damage, accidental damage, theft & impact. £1000 for subsidence claims

Home Contents - £100

Personal Possessions - £500 for losses from unattended vehicles, otherwise £100

Specified All Risks - £35 for mobile phones and radios, otherwise £100

For further details please refer to the policy summary.
Q: What is public liability cover?
Public liability is designed to cover you against your legal liability in connection with your business to pay compensation, and claimants costs and expenses, in respect of accidental injury to any person or damage to material property. Please note that it does not provide cover in respect of injury to your own employees - this will require Employers' Liability.
Q: What is employer's liability cover?
Employers' Liability is designed to cover you against your legal liability to pay compensation and claimant's costs in respect of injury and disease sustained by any of your employees undertaking work in connection with your business. Please note that most employers are required by law to have employers' liability insurance. Further advice can be found in the Health and Safety Executive guide (HSE40) which can be found here http://www.hse.gov.uk/pubns/hse40.pdf
Q: Can you cover my van under the home worker policy?
Although this cover can not be included under the Complete Home Working policy, you can insure your van separately under our Commercial Vehicle policy.
Q: What if my trade is not on the list?
If you can not find your trade on the list please call the Business Insurance Centre on 0800 048 1669 for further assistance. It is important not to choose another trade as this may invalidate your policy or result in a claim not being paid.
Q: What do I do if I have multiple trades?
You will only be able to choose one trade on this product. If this does not sufficiently cover all your activities then please call 0800 048 1669 for further assistance. It is important that all your activities are advised to the business insurance centre as otherwise it may invalidate your policy or result in a claim not being paid.
Q: How many trades can I have on this policy?
You will only be able to choose one trade on this product. If this does not sufficiently cover all your activities then please call 0800 048 1669 for further assistance. It is important that all your activities are advised to us as otherwise it may invalidate your policy or result in a claim not being paid.
Q: What is the maximum number of people I can cover under this policy?
There is no limit on the number of staff you can cover under this policy.
Q: What covers are available under this product?
The following covers are available

Business Contents

Money & Personal Assault

Goods in Transit

Deterioration of Stock

Business Interruption

Book Debts

Employers Liability

Public & Products Liability

Buildings

Household Contents

Personal Possessions

Specified All Risks

Personal Accident

Legal Expenses

Terrorism

Q: My home insurance covers me for computers and printers, do I need separate business insurance if I work from home?
Not all home insurance policies cover business activities or equipment used in connection with business activities, or may only provide a minimal element of protection. Please check your existing policy carefully.  The Complete Home Working policy has been specifically tailored to cater for your business needs.
Q: Can I get cover if I rent the property where I run my business?
Yes, Complete Home Working Insurance can cover you.
Q: What minimum level of security must my building have?
The minimum level of security you must have in place is detailed in the policy wording. In addition, based on your specific details you may be required to install an intruder alarm - you will be informed of this in your quotation.
Q: I don't have an alarm on my property can I still get insurance?
You may not need to have an alarm on your property - this will be based on your specific details. If we require you to install one, this will be detailed in your quotation.
Q: If I don't select a certain cover on my policy now, can I add it later in the year?
Yes, providing any acceptance criteria is met.
Q: I have some specialist equipment in my home for my occupation, can I list this somewhere on my policy so I know it is covered?
Should you wish to have any specialist items listed on your policy please call the Business Insurance Centre on 0800 048 1669 for further assistance.
Q: I have converted my garage into a work shop, would the conversion be covered on this policy?
If you are the owner of the building, you can insure the buildings under this product which would include the re-building cost of the conversion. If you are a tenant of the property any improvements you have made to the building for the purpose of your business can be insured under tenant's improvements.
Q: If I use a private vehicle to pick up stock is it covered in transit?
Yes, providing the vehicle is owned or operated by you. Complete Home Working offers £2,000 cover for goods in transit as standard - you may choose a higher level if required.
Q: Am I covered for loss of refrigerated stock due to electrical failure (outside of my control)?
Cover is provided under the deterioration of stock section, with £2,000 of cover provided as standard. This limit can be increased if necessary.

Quote & Apply Now

Get a quote online or call the Business Insurance Centre on 0800 048 1669

Get a Home Worker Insurance quote      Retrieve a Home Worker Insurance quote

Get a quote today

Getting a Complete Home Working Insurance quote is simple. You can even do it all online by following the straightforward online process, receiving your quote soon after submitting your request.

Lloyds TSB Essential Business Insurance is arranged and underwritten by Allianz Insurance plc.

What will you need?

• The year your business was established
• Details of any insurance claims for your home or business in last 5 years
• Estimated turnover for next 12 months
• Approximate values of stock, electrical equipment and contents for the business

Policy Documents

Complete Home Working Insurance Policy summary
Complete Home Working Insurance Policy document

If you do not have Adobe Acrobat installed on your system please use this link to get the free Acrobat reader plug-in.