Homeworkers Insurance

From jewellery makers to wedding planners, our insurance policies cover all sorts of businesses as well as your home, including up to £1 million in personal liability insurance as standard.

Key benefits

  • Protects your business: up to £2 million in public liability insurance
  • Required by law: get up to £10 million in employers’ liability insurance
  • Protection for the products your business sell: up to £2 million in product liability insurance

Post Office® Business Insurance is administered by Gallagher Heath Insurance Services, which is a trading name of Heath Lambert Ltd.

How it works

Public liability insurance protects your business if a member of the public suffers accidental injury or damage to their property because of your business. It’s included as standard in our policy.

Employers’ liability insurance protects your business if a member of staff becomes ill or gets injured as a result of an accident at work and your business was at fault. We offer up to £10 million cover in employers' liability as standard.

Product liability insurance protects your business if a member of the public suffers accidental injury or damage to their property as a result of a product you've supplied. We offer up to £2 million for any one insurance period.

Personal liability insurance protects your business if a member of the public suffers accidental injury or damage to their property as a result of your actions. Cover for up to £1 million is included as standard in our policy

Also included in this policy

  • Up to £1,000.000 for non-production machinery breakdown at the premises
  • Up to £2,500 in property cover for exhibitions and up to £1,000 for stolen keys
  • Up to £100,000 of income for up to 12 months including, denial of access to property, food poisoning and much more
  • Up to £100,000 for legal expenses
  • Up to £5,000 for goods in transit

Please see Homeworkers Keyfacts summary and Business Legal Guard Keyfacts Summary for further information. Terms, conditions, limitations and exclusions apply

Making a claim

Our claims line is open 24 hours a day so we’re there whenever you need us. Excesses apply

Definitions

0800: Calls to 0800 numbers are normally free from UK landlines but charges may apply from mobile phones. Calls may be monitored or recorded for training and compliance purposes.

0845: Calls to 0845 numbers may be charged at up to 5p per minute from a fixed line and calls from mobiles can be considerably higher. Calls may be monitored or recorded for training and compliance purposes.

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Small print

Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is Registered in England and Wales (No. 7022885). Registered address Bow Bells House, 1 Bread Street, London, EC4M 9BE. Post Office is a registered trademark and Post Office logo is a trademark of Post Office Ltd. Post Office Ltd is registered in England and Wales. Registered No. 2154540. Registered Office: 148 Old Street, London, EC1V 9HQ.

The Financial Conduct Authority register number for Bank of Ireland UK is 512956. You can check this on the FCA’s Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0845 606 1234

Handy info

For more details about our Homeworkers Insurance check out the policy documents below.

Apply now

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Can we help?

To make a claim call:

0845 125 8859

Lines are open 24 hours a day