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Our home and contents insurance policies can also cover home businesses such as online sales, cake decorating, freelance graphic designers or writers as well as child minders and holistic or health and beauty professionals.

Running a home business can mean that you have invested in expensive business equipment and products or stock which probably means that the value of the contents kept in your home has increased we means a higher risk of theft and damage. 

So to protect your home and business, get in touch with our insurance team and see how much you could save with Lighthouse Home Insurance. 

Home & Business Insurance

Our specialist home insurance for business use is very competitive and will cover all of the below types of businesses and professions, alongside your buildings & contents cover. If your home based business is not on the list, we may still offer cover, so it's worth giving us a quick call. 

🏠 Online sales business

🏠 Online or offline consultancy and/or tuition

🏠 Creative profession

🏠 Childminder or babysitter from home

🏠 Beautician or health professional

🏠 Animal professional

🏠 Written profession

🏠 Food based home business

Public Liability Insurance 

If you invite customers, business associates or any other members of the public to your home for business purposes and they unfortunately hurt themselves while on the premises, you could be liable for their medical bills. Taking out a public liability insurance policy will protect you and your business from this legal nightmare.   

Why You Need A Combined Home and Business Insurance policy

I bet you didn't realise that running a small business from the comfort of your own home without informing your standard home insurance provider could invalidate your home insurance policy! Put simply, if you fail to take out a combined home and business insurance policy and you're relying on a standard home insurance policy, you risk your cover being terminated if you need to make an emergency claim such as a fire, flood or break in, even if it doesn't have anything to do with your home based business. This is because, with additional items in the property, such as stock, office furniture, equipment, documents and paperwork, comes additional risk of fire, flood, damage and theft.

So get in touch with our insurance team today for a free, no obligation quote and see how much you could save.