Home Business Insurance
Self-employed sole trader, or you have employees working in your home office with you, running a business from your house offers greater flexibility and makes better financial sense than renting office space.
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Who is home business insurance suitable for?
If you run a business from your home in Ireland – such as a hairdressing salon, pet grooming service, nail or makeup studio – our home business insurance provides specialized coverage. Designed to protect both your property and business operations, this insurance addresses the unique risks faced by professionals working from their residential premises.
What is home business insurance ?
Home business insurance throughout Ireland
Technological developments combined with ever-changing economic and social conditions have seen a recent rise in the number of businesses being run from homes. Whether you’re a self-employed sole trader, or you have employees working in your home office with you, running a business from your house offers greater flexibility and makes better financial sense than renting office space as there are fewer overheads and home based business insurance premiums are also classed as one of your tax-deductible expenses.
Insure your professional interests
If you run a business from home, specialist home business insurance is essential for ensuring that you are covered for the contents of your office and any loss of money, as well as public liability, and employer’s liability if you have staff working for you. If you’re running a business from your dwelling you should already have standard home insurance; however, this won’t cover you in the same way as a business insurance policy tailored to your personal needs.
Home business insurance from a broker you can trust
In some cases, insurers offer limited cover for business activity from your home. The nature of your business may mean that some insurers are less inclined to cover you, or will charge higher premiums. Business activities such as traditional office-based business, hobbies and crafts, and sales reps are typically favoured over activities including the retail of products, woodworking, and vehicle repair.
If your home is also the home of your business activities, you certainly want assurances that it’s properly insured. As specialist brokers, Top Insure have access to a range of insurers who offer enhanced home insurance policies that will cover you for business activities at your dwelling.
As a result, homeowners can carry out commercial activity in their home. In effect, this policy is the best of both worlds; on the one hand, you have all the benefits of a standard home insurance policy, whilst on the other hand, your home business also has many benefits of commercial insurance.
We cover many types of businesses like home salons, hairdressers as well as general office use; so whether you are planning to start a business from home, or you’re already running a business and unsure about your current cover, contact us for top advice today.
Protecting you from potential financial losses and liabilities
Property owners liability
Fire damage
Fire brigade charges
Storm damage
Flood damage
Theft of contents
Just like every home business is unique, every property insurance policy is unique and these are just some of the options that can be protected under a home policy you take out through Top Insure.
Benefits of home business insurance with Top Insure
Comprehensive property insurance policies backed by our expert advice, personal support, and local market knowledge to ensure you're fully protected.
Exactly What You Need, Nothing You Don't
Protect what matters most without wasting money, giving you peace of mind that your unique home and lifestyle are perfectly safeguarded.
Cutting Through the Confusion
Save time, avoid costly mistakes, and feel confident knowing a local expert is navigating the complex insurance landscape on your behalf.
Claims Support That Fights for You
When disaster strikes, you'll have an advocate fighting to get your life back to normal quickly and completely, turning a potential nightmare into a manageable process.
Questions about home business insurance you didn't think to ask!
Truth is, you might have alot more questions and our experts can answer them all.
What does home business insurance typically cover?
Home business insurance provides protection for business equipment, liability coverage, and potential income loss. It typically covers business-specific risks such as equipment damage and public liability, but professional indemnity and business interruption may not be included, and you will need to consult your broker for further risk information.
How do insurers determine premiums for home business insurance?
Premiums are calculated based on factors such as the type of business, annual turnover, number of employees, business equipment value, potential liability risks, and the specific nature of your business activities. The more information you provide, the more accurately the insurance can be tailored.
Do I need separate insurance if I run a business from home?
Yes, standard home insurance often does not cover business-related risks. Home business insurance ensures that your business equipment, liability, and specific business risks are properly protected, preventing potential financial losses that could occur from business-related incidents.
What types of home businesses can be covered?
Home business insurance can cover a wide range of business types, including freelancers, consultants, home-based retailers, online businesses, remote professionals, and small service-based businesses. The coverage can be tailored to the specific needs of different business models and industries.
What additional protections should I consider for my home business?
Consider additional coverage for professional indemnity, cyber liability, business equipment breakdown, public liability, and potential income protection. The specific protections will depend on your business type, potential risks, and the nature of your work from home.
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