Self-build insurance cover
If you are planning on building your own house or adding an extension to your current property, you’ll need self build insurance. As the property owner you’ll be responsible for the project management of the site; so whether you undertake the work yourself or hire qualified contractors, you’ll need appropriate self-build insurance cover.
Choosing to build your own home is not without risk, so it’s not the type of decision that most people make lightly. A self build project can be a very costly endeavour, even when things go to plan; and when things don’t go to plan you might find you’ve bitten off more than you can chew. There’s a lot to be said about having peace of mind so you can concentrate on construction; that’s why it’s vital that you get proper advice and choose the best insurance policy before beginning work on the project.
If you run a business from home, specialist home business insurance is essential for ensuring that you are covered for the contents of your office and any loss of money, as well as public liability, and employer’s liability if you have staff working for you. If you’re running a business from your dwelling you should already have standard home insurance; however, this won’t cover you in the same way as a business insurance policy tailored to your personal needs.
In some cases, insurers offer limited cover for business activity from your home. The nature of your business may mean that some insurers are less inclined to cover you, or will charge higher premiums. Business activities such as traditional office-based business, hobbies and crafts, and sales reps are typically favoured over activities including the retail of products, woodworking, and vehicle repair.
If your home is also the home of your business activities, you certainly want assurances that it’s properly insured. As specialist brokers, Top Insure have access to a range of insurers who offer enhanced home insurance policies that will cover you for business activities at your dwelling.
As a result, homeowners can carry out commercial activity in their home. In effect, this policy is the best of both worlds; on the one hand, you have all the benefits of a standard home insurance policy, whilst on the other hand, your home business also has many benefits of commercial insurance.
We cover many types of businesses like home salons, hairdressers as well as general office use; so whether you are planning to start a business from home, or you’re already running a business and unsure about your current cover, contact us for top advice today.