Like RC I was with Barclays and I used to check every year and they were fine with covering business eqpt ( laptop / printer etc ) up to value of 2500 pounds at home. Expressly said it was my registered office and eqpt. belonged to my Ltd Co. So long as no business visitors came to home they said all Ok.
Changed this year to Zurich Home Insurance ( cheaper than Barclays for same cover ) , had same conversation and received same advice. Business eqpt covered so long as premises not visited by Clients .
Check with your current home contents insurers , they may have changed their views from a few years ago .
- Visitors can check out the Forum FAQ by clicking this link. You have to register before you can post: click the REGISTER link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. View our Forum Privacy Policy.
- Want to receive the latest contracting news and advice straight to your inbox? Sign up to the ContractorUK newsletter here. Every sign up will also be entered into a draw to WIN £100 Amazon vouchers!
Reply to: Insurance
Collapse
You are not logged in or you do not have permission to access this page. This could be due to one of several reasons:
- You are not logged in. If you are already registered, fill in the form below to log in, or follow the "Sign Up" link to register a new account.
- You may not have sufficient privileges to access this page. Are you trying to edit someone else's post, access administrative features or some other privileged system?
- If you are trying to post, the administrator may have disabled your account, or it may be awaiting activation.
Logging in...
Previously on "Insurance"
Collapse
-
There are quite a lot out there.
The Post Office, who are a broker like most Banks and Building Societies, will get you covered by insurance companies like Fortis.
Leave a comment:
-
I've used Halifax in the past who have covered business equipment...
Leave a comment:
-
Incidentally, I did say to Barclays that it was not just incidental paperwork, sometimes I would be on the bench and using this stuff all day. The bloke said words to the effect of: "No contents insurance company is ever going to be upset at somebody being at home all day!"
Leave a comment:
-
I used to use Pennine Insurance, then Hiscox (who I won't use ever again thanks to the way they treated me) for business contents insurance. Both did a SOHO policy.
When Hiscox rudely told me to clear off, I shopped around for specialist insurance at first but then discovered a lot of everyday, normal, high street insurers now recognise that everyone has a company laptop and company mobile and company paperwork etc. at home and so any will cover business stuff at home in a domestic policy.
I ended up going with some obscure outfit you'll never have heard of. Barclays.
The property to be insured:
* Isn’t used for business, except for home/office work that requires no employees or visitors
I did make a point of giving them an itemised list of LtdCo stuff so there would be no arguments later (n PCs, printers, manuals, software, boxes of bits, stationery, etc.)Last edited by RichardCranium; 19 January 2010, 16:11.
Leave a comment:
-
Yip, my work address is my home, and I've made my home insurance aware. You won't be covered for anything that is owned by the business. If any damage was caused by your business practises that is also an issue.
If however the receipt for damaged goods only has your name on it ... ahem ... but that's up to you... i'm sure some people will point out the issues.
Leave a comment:
-
Originally posted by norrahe View PostNeed to change where my company is registered.
Leave a comment:
-
Originally posted by norrahe View PostNeed to change where my company is registered.
But with regards to laptops and printers, would, even though they belong to the company are they still covered by the home insurance?
Leave a comment:
-
Need to change where my company is registered.
But with regards to laptops and printers, would, even though they belong to the company are they still covered by the home insurance?
Leave a comment:
-
I know for a fact my home insurance specifically excludes any kind of business activities in my home. I rang them and made them aware I use an office which they were ok with and didn't cause a problem with my policy (my LTD is not registered at my home either).
The only problem would be that none of the business kit would be covered. A study, desk, pc's filing etc is acceptable as it doesn't mean it is a business.
I have the above that are worth next to nothing so haven't bothered with any extra insurance and happy with the knowledge at the worst case if they won't pay for them then fair enough.
HTH
Leave a comment:
- Home
- News & Features
- First Timers
- IR35 / S660 / BN66
- Employee Benefit Trusts
- Agency Workers Regulations
- MSC Legislation
- Limited Companies
- Dividends
- Umbrella Company
- VAT / Flat Rate VAT
- Job News & Guides
- Money News & Guides
- Guide to Contracts
- Successful Contracting
- Contracting Overseas
- Contractor Calculators
- MVL
- Contractor Expenses
Advertisers
Contractor Services
CUK News
- Streamline Your Retirement with iSIPP: A Solution for Contractor Pensions Sep 1 09:13
- Making the most of pension lump sums: overview for contractors Sep 1 08:36
- Umbrella company tribunal cases are opening up; are your wages subject to unlawful deductions, too? Aug 31 08:38
- Contractors, relabelling 'labour' as 'services' to appear 'fully contracted out' won't dupe IR35 inspectors Aug 31 08:30
- How often does HMRC check tax returns? Aug 30 08:27
- Work-life balance as an IT contractor: 5 top tips from a tech recruiter Aug 30 08:20
- Autumn Statement 2023 tipped to prioritise mental health, in a boost for UK workplaces Aug 29 08:33
- Final reminder for contractors to respond to the umbrella consultation (closing today) Aug 29 08:09
- Top 5 most in demand cyber security contract roles Aug 25 08:38
- Changes to the right to request flexible working are incoming, but how will contractors be affected? Aug 24 08:25
Leave a comment: