Posted By Steve Skinner Morning all, I am reviewing our risk assessments and have been asked the question above, has anyone come across this issue before? If so what was the outcome? Thanks Steve

Posted By Ian Blenkharn Why not ask your insurer, or your potential insurer? My insurer covers me, with some conditions - but that is of no relevance to you since we are different people with different work commitments in different locations and different circumstances, and with different policies!

Posted By David Bannister Hi Steve, I'm not quite sure what you are asking: are you concerned about damage to work equipment or injury to personnel from work activities? Or whether home-work will invalidate any home insurance. For the first two I believe that standard home insurance will not provide cover for either work equipment or liability to others. These are more properly the responsibility of the employer. I run my business from home and have informed my home insurer. They are happy as it means an increased daytime presence to deter thieves. However, I arrange separate insurances to cover my potential liabilities and property/business interruption losses.

Posted By Phil Grace I know more about EL than Home insurance but would agree with previous posters that - in general - home contents will not cover you for business use. Remember: Building cover is for rebuilding of the property after loss from fire, flood etc Contents is for everything else: loss of or damage to property and also extends to provide Public Liability if visitors or persons who call at property should be injured e.g. step in an open manhole or on broken drain cover. BUT Underwriter will not expect contents to include business equipment - TV etc plus some home computer(s) OK but not business equipment. If you ran a business from home and hadn't declared it to insurer they may seek to avoid paying full value of claim in event of a loss. The PL extension is designed to cover the odd accident to visitors/friends and perhaps the postman - it would not expect to cover - if you had any - "business visitors". May not be a problem for a H&S consultant but think about, say a hypnotherapist having people call every hour. Best to declare and stump up the additional premium Hope this helps Phil

Posted By Martyn Hendrie Like others I run my business from home, Other than not covering business specific items my domestic insurer was only interested that I do not have visitors to the house. No increase in domestic premium and all above board so hopefully covered in the event of a claim

Posted By Phil Rose Steve Like David I was not sure what you were asking. Insurance cover doesn't 'allow' people to work from home or otherwise. The intention of insurance is to provide cover for certain liabilities and losses. Employers Liability Insurance does just that, covers the employers liabilities. If you work from home on a regular basis then I suggest that you inform your home insurer. Phil

Posted By Steve Skinner Thank you all for your insights and comments all very valid and thought provoking. I believe that I have all the information I require so would like to thank all the respondants to this post. Regards Steve