Home Workers Insurance

Why choose Howden for home worker insurance?

Here at Howden, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist home insurers, we make the process of comparing multiple home worker insurance policies, on your behalf, simple and straightforward. What’s not to like?

As a broker which specialises in home and liability insurance, we also know that each home worker policy needs to be as individual as its owner and their work environment, and that’s why we provide a personalised service, focused on getting to know you and finding out exactly what you want from your insurance coverage.

Ultimately, whether you need to make a claim, purchase a new home-related policy, or renew an existing one, we’re here to help.

Benefits of working with Howden:

• You can trust us – we’re rated Excellent on Trustpilot.
• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• Speak with your local branch, within your community.
• We’re right by your side in the event of a claim.

Why do I need insurance if I work from home?

Working from home has become the new normal for many people because of Covid-19 pandemic. Even before Covid-19, the number of people working from home had increased to around 2 million, with more and more people counting their home business as their main source of income.

But what do remote workers need to be aware of, with regard to insurance? If you’re working from home for your employer, as a freelancer, or running your own business, there are a few things you ought to consider in respect of your home insurance.

Have you built a home office in the garden, including a log cabin or smart shed?
These outbuildings will need to be insured for fires, storms or floods.

Business visitors
Your home policy may not cover business visitors to your home who, if they were to be injured, could hold you liable, so you’ll need to ensure that you have adequate public liability insurance. If you have employees, you may need additional liability insurance cover as most home insurance policies are designed to insure domestic staff only.

Business equipment, stock, and contents
Who’s covering IT equipment in the event of a claim – your employer? If you keep stock at home, you’ll need to inform your insurer and make sure that these items are covered under your policy. You may need a separate business policy or to extend your current home insurance to cover business use.

Data Breach or Cyberattacks
As a remote worker, you may handle sensitive client information or have an online presence. Insurance can offer protection against data breaches, cyberattacks, and the associated costs of recovering and securing your systems.

Of course though, every remote worker’s home environment and experiences will be different, and that’s why you need a flexible, adaptable policy that can provide appropriate cover that’s right for you. Get in touch, so that we can learn more about your home working situation, and then we can collaborate with our panel of insurers to help you find a home worker insurance policy that caters to your needs.