Business Home Insurance
Summary of Businesshome Cover
Click on any of the items for more info on cover provided. Remember that this one single policy covers you for:
Want to see how much cover you one client living in Herefordshire got for £256? Click here.
Important Notice
These summaries only provide brief details of the cover provided under our Business Home Certificate. They do not detail all of the terms, conditions and exceptions. For full details please refer to the Certificate wording.
Please note that you are responsible for the first £50 of each and every claim other than subsidence where you are responsible for the first £1000 of each claim.
Business Property & Equipment
Business Contents including business books, documents, manuscripts (only the value of the materials as stationery plus cost of labour in writing up) and within the Buildings up to the sum chosen to be insured under Contents. Note: when selecting a sum to be insured it must provide for both business and domestic contents.
Computer Records
Business computer system records (only the value of materials plus the cost of labour & computer time spent in reconstituting records) up to £5,000 within the home.
Business Equipment away from Home
Accidental loss or damage cover for SPECIFIED ITEMS anywhere in the UK and up to 60 days elsewhere in the world in any one period of insurance.
Business Interruption
In the event of a Contents claim bringing the Business to a halt, Business Interruption covers up to a limit of £10,000 the reasonable additional expenditure to rebuild the business to its pre-damage level.
Public Liability
Indemnity up to £2 million in respect of damages & claimant's costs awarded following accidental bodily injury or accidental loss or damage to material property which You in the course of carrying on the Business or in a personal capacity become legally liable to pay.
Employers Liability
Indemnity up to £10 million as an Employer for all sums which You become legally liable to pay in respect of bodily injury sustained by any business or domestic Employee arising out of and in the course of their employment by You.
Business Money & Assault Cover
Your Business Money up to £2,000 if the loss occurs when the buildings are open for business purposes & occupied by either you or an authorised employee including transit direct to or from a bank. Outside business hours, £1000 in locked safe and £300 not in a safe.
Employees Personal effects
Up to £250 (excluding money) per person includes invited visitors within the buildings.
Domestic Household Goods
Household goods, personal possessions, tenant's fixtures & fittings within the buildings. Note: when selecting a sum to be insured it must provide for business and domestic Contents.
Valuables at Home
Your valuables and collections at home, up to £1000 any one item and in respect of all your valuables - up to 33.3% of the total sum insured. Click for more info.
Personal Cover away from Home
Personal effects and valuables are covered against accidental loss or damage anywhere in the UK and up to 60 days elsewhere in the world in any one period of insurance.
Buildings
Loss or damage to the buildings, property owners liability, alternative accommodation costs up to 20% of the sum insured.
Freezer Contents
Deterioration of frozen food up to £500 in any deep freezer cabinet (less than 10 years old) as a result of breakdown or damage to the freezer cabinet.
Credit Cards
Financial loss up to £300 resulting from the fraudulent use by unauthorised persons of any credit card after it has been stolen or accidentally mislaid.
Personal Money
Accidental loss of personal money up to £300 any one loss anywhere in the UK and up to 60 days elsewhere in the world in any one period of insurance.
Domestic Legal Expenses
All reasonable, necessary & agreed costs charged by an appointed lawyer as a result of personal injury claims or disputes involving contracts, employment & personal property claims to a limit of £25,000.