Working from Home Insurance
How to make working from home both wallet and client friendly.
Taking the stress out of working from home
You’re already saving yourself the hassle of a daily commute and distractions in the office by working from home. Why not also save yourself the trouble of having to pay out for a new computer if the dog pulls it off the table, or compensation if a business visitor scalds themselves e.g. on a too-hot-tap that you were aware of but forgot to warn others about?
A household insurance policy can go some way to covering your business equipment but not all. It won’t cover the more high tech audiovisual items for example, or anyone visiting your home for business purposes, or employees.
If you’re self employed and running your business from home, it’s up to you to make sure you’re adequately covered. Of course, if you come to us at Shearwater, we discuss this with you.
Business equipment and personal accident are additional cover options that we always take into consideration when arranging a working from home insurance policy.
Our team can offer independent advice around the level of cover you need while working from home, before sourcing a home business insurance policy to suit. We’ll be looking into the following areas:
Public Liability
This cover option is only really necessary if you have people visiting your home for business purposes or you visit others e.g. suppliers. This will protect you in the event that they injure themselves at your property, or any damage you have caused whilst visiting their property, such as a laptop.
Product Liability
If your home acts as a base for a production line and you are facing a claim due to a faulty product, product liability is a useful addition to your working from home insurance policy.
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When the wheels fell off my lorry the Shearwater team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
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Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
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We've insured with Shearwater for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Shearwater
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I have found Shearwater to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
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We have worked with shearwater for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
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I have insured a few horses with shearwater over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
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What can we say about Shearwater? As an insurer if you want the best cover then you need to be with Shearwater. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
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It is a comfort to know that the horses are Insured with Shearwater. They are a professional but friendly company, competitive and knowledgeable. On the claim we had they were fast and efficient and nothing was too much trouble. Would happily recommend Shearwater Insurance, especially as they have such a vast range of options from everything equine to travel and household.
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Shearwater is our absolute go-to for all of our insurance needs from house, yard and horse, to cars and liabilities. The team in the office are easy to talk to and they actually take the time to get to know you as a client. Most importantly, when you need to claim for something, they are quick and listen to your needs, making the whole process much less stressful in your hour of need. We wouldn't use anyone else!