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  • Working from home insurance

  • Choosing to work from home frees you from the daily commute and can greatly reduce your expenses. You’ll also have more control over how you work, your hours and work-life balance. Having inadequate insurance, however, can put your livelihood at risk.

    You may need to take out:

    • professional indemnity insurance
    • employers’ liability insurance
    • public liability insurance
    • cover for personal equipment, stock, goods in transit or products liability


    Professional indemnity insurance

    Put simply, professional indemnity insurance covers the work you do. If you provide advice or a service that customers pay for, they could sue you or claim compensation if they feel you’ve made a mistake or cost them money.

    Without professional indemnity insurance, the expert legal support to defend a claim against your company – plus any compensation you need to pay to settle it – could be very expensive. In this case, AXA professional indemnity insurance protects you.

    Get a quote and save 10%

    Public liability insurance

    If you have visitors to your home-workplace or you visit other people on business – public liability cover could be for you. It covers you if someone is injured on your property and makes a claim, or if you accidentally damage their property.

    Claims can arise from the most unexpected quarter. Say a client trips over a rug while crossing your hallway and has a bad fall – you could be found liable for compensation costs. Likewise, if you scratch or spill something on furnishings during a visit – you could face repair bills.

    Get a quote and save 10%

    Employers’ liability insurance

    Many people work from home on their own. But if anybody works for you – and that includes full and part time staff, freelancers or volunteers – you need to have at least £5 million employers' liability cover. It's required by law.

    If someone you are directly responsible for is injured as a result of working for you, you need to be sure they are properly looked after – and ensure your business is not harmed too. With us, you’ll get £10 million cover as standard.

    Get a quote and save 10%

    Business equipment

    If you use your computers, mobile phone, kitchen or other equipment for your business, they probably won’t be covered by your home contents policy. Get a quote for business insurance online and you’ll also be able to add business equipment cover to your policy.

    Get a quote and save 10%

    Vehicles and goods in transit

    You’ll also need to think about insuring yourself on the move. If you use a van for business use, you’ll need specialist van insurance to be covered for claims. You can also insure stock and goods that you carry or send via third parties.

    Get a van insurance quote

    Call 0330 159 1523* for goods in transit cover

    Products liability

    If a product you’ve supplied causes injury property damage, you could end up footing compensation and legal defence bills. With products liability cover, you’ll have the peace of mind you’re covered.

    Call 0330 159 1520* for a quote

    Personal accident

    If your business relies on you, then you need to consider how your income would be affected if an injury leaves you unable to work. In this case, your personal accident cover would pay your wage until you recover. Maximum limits apply.

    Get a quote and save 10%

    *Lines are open Monday – Friday, 8am to 8pm, Saturday, 9am to 2pm.

  • Our opening hours are different over Christmas. Click here to see when we’re open.

    Sales Enquiries

    0330 159 1520

    Customer Services

    0330 159 1508

    Live chat**

    You can view our privacy policy here

    We’re open Monday to Friday 8am to 8pm, and Saturday 9am to 2pm. Calls are charged at local rate and may be recorded or monitored.

    **Live chat is available Monday to Friday, 9am to 5pm. Please be aware that during busy times, there may be a short wait.



  • Not sure what business insurance you need?