If you run a business from home than you will
need specialist cover for your buildings / and or contents
insurance. Towergate Insurance are a leading home insurance
specialist and our professional, friendly staff are always willing
to help you find the right cover for your needs.
Suiting a variety of occupations, this insurance policy offers a
range of both standard and optional covers. If you run a business
from home - whether it be a bed and breakfast or you are a
childminder, tutor, or hypnotherapist then you have come to the
right place!
This cover provides the option to insure office equipment which
is used specifically for your business, such as fax machines,
computers and telephones.
Key Policy Features
- Occupiers and Personal liability can be extended
- Office equipment up to £3,000, can be extended to £10,000
(Clerical equipment used in connection with the business -
computer, fax, telephone, photocopier, typewriter, word processer,
telecommunications equipment and office furniture)
- Buildings insured on normal terms
- Employed family members
- Up to 10 business visitors per week
- Home Assistance cover and Legal protection, ID theft
assistance, up to £25,000
- Alternative accommodation in the event of insured peril, eg
your home becomes inhabitable after an insured loss
Occupiers and Personal liability can be extended to cover
business visitors while they are in the home and in connection with
the trade. (Cover if the visitors are injured and the property
owner is proven to be negligent, this does not cover loss of
earnings)
For details of policy cover including limitations and exclusions
please read the
policy summary.
For Childminders:
If you are a childminder you may want to take note of these
policy features:
- Childminder should be registered with the local authority to
qualify for full cover
- The childminder is allowed up to 3 children in care at any one
time in addition to the childminder's own children
- The option (at extra cost) to extend liability insurance to
cover children, parents or guardians whilst on the premises in
connection with childminding activities is available.
For Bed & Breakfasts:
- Up to 6 guests and 3 rooms being used by guests at any one
time
- Guest's belongings whilst they are in the boundaries of the
property provided they are not covered under any other insurance
policy
- Loss of earnings if your B&B becomes unfit for paying
guests (up to £100 per week for 8 weeks) if resulting from an
insured incident such as a fire or flood
- Occupiers and Personal liability is extended to include guests
in relation to your Bed & Breakfast accommodation
- You will benefit from our vast experience as a leading home
insurance specialist and our professional, friendly staff are
always willing to help you find the right specialist home insurance
cover for your needs
For an immediate quote or cover call us on 0844
346 3253 or request a callback.