Working from Home Insurance

  • Working from home may not be covered by your standard home insurance - protect your home office with our working from home insurance
  • Up to £1 million in personal liability insurance as standard protects you and those around you in your home work area
How it works

From beauticians 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
  • Up to £10 million employers’ liability
  • Up to £2 million product liability

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 £5 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.

T&Cs apply, please refer to your policy wording for full details.

Making a claim

The claims line is open 24 hours a day and the experienced claims team is there whenever you need them, for any queries, please call 0345 125 8859.

Policy features
Standard Covers Standard Limit
Contents with extensions to include: Sums Insured selected
  • Theft of keys
Up to £1000
  • Property whilst at exhibitions anywhere within the Teritorial Limits

Up to £2,500
  • Loss of metered water/oil and LPG

Up to £2,500
  • Cost of locating the source of an escape of water from any fixed pipe or water apparatus at the premises

Up to £5,000
  • Internal fixed plate glass

Up to £2,500
  • External signs

Up to £1,500
  • Cost of replacement sanitary ware

Up to £2,500
  • External blinds
Up to £2,500
  • All other glass

Cost of repair / replacement
*Optional covers available on request include: Buildings, Stock, Loss of Rent, Cover for Property away from the Premises, Deterioration of Stock, Fidelity Guarantee and personal accident.  
Money and Malicious Attack including:  
  • Money in transit, in the premises during business hours and in any bank night safe

Up to £5,000
  • Money in a locked unspecified safe outside business hours

Up to £2,500
  • Money at the private residence of the Insured or an Employee and at the premises outside of business hours not in a locked safe

Up to £500
  • Death and disablement benefits following malicious attack

Up to £10,000
  • Weekly disablement benefit following malicious attack

£100 per week up to 104 weeks
*Optional covers available on request include: Money in ATMs  

 Terms and conditions apply, please refer to your policy wording for full details.

 

Definitions

0800: All calls to 0800 numbers are free of charge whether made from a landline or mobile phone. Calls may be monitored or recorded for training and compliance purposes.

0345: Calls to 0345 numbers will cost no more than calling a standard geographic number starting with 01 or 02 from your fixed line or mobile and may be included in your call package dependent on your service provider. Calls may be monitored or recorded for training and compliance purposes.

Small print

Post Office Money® Business Insurance / Homeworkers Insurance is arranged and administered by Arthur J. Gallagher Insurance Brokers Limited. Arthur J. Gallagher Insurance Brokers Limited arranges policies from a panel of insurers; the details of which are available upon request from Arthur J. Gallagher Insurance Brokers Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. 

Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority, FRN 311786. Arthur J. Gallagher Insurance Brokers Limited is registered in Scotland, registered number SC108909. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN). Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited. 

Can we help?

To get a quote call:

0800 138 8271 9am-5pm, Mon-Fri
Closed Sat, Sun and Bank Holidays

For customer service:

0800 138 8272 9am-5pm, Mon-Fri
Closed Sat, Sun and Bank Holidays