Business Home Insurance
Qualifying Statement
Business Home Insurance’s policy for professionals working from home and home start-up insurance cover applies to UK residences in England, Scotland and Wales, where your home is also your office. This unique insurance cover combines your Household and Buildings insurance together with Business insurance necessary for the protection of your business assets and liabilities.
Important!
You must ensure that the statements below together with any other information regarding prospective homeworker insurance quotes and home start-up insurance cover provided by you are correct.
Should you decide to purchase our home business insurance plus liability plan, these statements and other information provided by you will form the basis of the home business insurance contract with Business Home.
Incorrect information could invalidate your home business liability insurance cover.
Your Business is:
- Of an Advisory, Administrative, Professional, Consultancy and/or Clerical nature ONLY and is office-based with no manufacture or storage of goods at the property.
Your Home is:
- Your permanent residence, not a holiday, weekend or weekday home.
- Occupied by you and your family only, i.e. no lodgers, persons not related to you, not shared, lent, let or sub-let.
- Built of brick, stone or concrete and roofed with slate, tile, concrete or metal with no more than 20% flat roof - disregarding garages and sheds.
- Self-contained with its own front door.
- Maintained in a good state of repair and is not a listed building.
- Not in an area which has a history of subsidence or flood and has not suffered from subsidence, heave, landslip or flood.
- Not regularly left unoccupied other than holidays and will not be left unoccupied by you for more than 30 consecutive days.
You and Any Person Normally Living with You, or in Business Partnership with You, have:
- Never been convicted of, charged or cautioned with any criminal offence (disregard motoring offences).
- Never been declared bankrupt or the subject of bankruptcy proceedings.
- Never had insurance declined or special terms imposed.
- Not suffered more than two losses (whether insured or not) in the last five years.
- Not suffered any losses totalling more than £1,000 in the last 5 years.
© 2008 Business Home: Homeworker Insurance Quotes and Home Start-Up Insurance Cover