Not automatically. Home Insurance is designed primarily for residential use and should not be assumed to cover business property or liability arising from a home-based business.

Tell Webber Insurance about business activities conducted from the property so the residential and commercial exposures can be reviewed.

Why does the insurer need to know? #

A business can change the risk at the home through matters such as:

• Client visits.
• Business equipment.
• Stock.
• Commercial deliveries.
• Employees.
• Increased electronic equipment.
• Different liability exposures.

Does Home Contents Insurance cover business equipment? #

Some policies can provide limited cover for specified business equipment, but limits and exclusions can apply.

Do not assume all business property is treated as ordinary household contents.

What about stock? #

Business stock may require Business Insurance rather than relying on a Home Insurance policy.

This is particularly important where the value is significant.

Does Home Insurance cover business liability? #

Do not assume so.

Liability arising from business activities may require:

• Public Liability Insurance.
• Professional Indemnity Insurance.
• Business Insurance.
• Other commercial insurance.

What if I only work on a laptop from home? #

The exposure may be relatively limited, but the insurer should still have an accurate understanding of the property’s use where required.

What if clients come to the home? #

Tell Webber Insurance.

Regular client visits can materially change the liability exposure and insurer’s assessment of the residential risk.

Home Insurance is designed primarily around residential occupancy, so business use should be considered separately rather than assuming personal cover automatically extends to commercial activities.