Home Insurance Vital To Home-Workers

For some of us it is the ideal situation, working from home. It can help save money on travelling costs and childcare. Working from home can give benefits as simple as being able to take deliveries during the day without having to slog down to the post office after work. Or being able to take the dog out for a walk in the middle of the day instead of coming home to a little present on the kitchen floor. However, there could be a serious hidden downside according to recent findings.

People who do their jobs at home are being told to seriously think about their home insurance policy by an industry company. Over five million people in the UK now call home their workplace, with one-third setting up an office in their own house.

However, the company has warned that Britons doing this should prepare for the threat of burglary or a fire - which could be disastrous for both business and home.

Furthermore, the loss of Internet availability may also prove damaging, while business guests could see a business run a risk if they were to have an accident while visiting, it added.

"If clients visit you at home you also need public liability cover," said a spokeswoman for the organisation.

In addition, if you have any employees or colleagues working with you at your home you also need to have Employers Liability Insurance. This type of insurance covers you if your employees are injured at work. This is something that any business, small or large knows. In fact, it is a legal requirement to display a certificate of Employers Liability Insurance in your workplace.

If you would like to know more about home insurance why not ask AnswerBank Insurance.