- Homeworkers

Cover with you in mind

With over 2 million manual and non-manual traders working from home we have established a package of essential insurance cover that any small business will need.

We offer a specifically designed and innovative insurance package for businesses operating from home, which combines all your home and business cover under a single policy making it easier and in many cases, cheaper for you than having separate policies.

We can also offer business cover only for those occasions where a combined policy is not suitable or where you simply prefer to keep it separate.

What Cover is right for you?

To help you get an idea of what is best for you we've produced a table below indicating the cover available.

Cover provided	Combined Package	Business Only
Home contents cover, you choose the level that's right for you. Claims excess starts at just £50. Accidental damage is an option you may include
Business contents and stock. Claims excess starts at just £50. Accidental damage is an option you may included
Personal Possessions covered away from home for loss or damage. Claims excess starts at just £50 and cover is on a worldwide basis	Option
Business machines (such as laptops) covered away from home for loss or damage. Claims excess starts at just £50 and cover is available on a UK only or WW basis	Option	Option
Buildings cover for your home and outbuildings; you choose the level that's right for you. Claims excess starts at just £50. Accidental damage is an option.	Option
Domestic liabilities including property owners and property occupier's liability. Cover is usually £2,000,000.
Public and products liability with cover usually £2,000,000 with the option of adding £10,000,000 employers liability cover. Includes liability at craft fairs etc.
Loss of profit/income if a claim affects your home or the contents within it.	Option	Option
Additional expenses in notifying of change of address following a claim	Option
Loss or theft of business money, compensation for injury following an assault (levels may vary)
Family legal expenses
Business legal expenses insurance		Option
Premiums, including tax and fees, start from just	£115.00	£62.50

The above table represents typical policies. Not all covers are available to all applicants. All quotes are offered on an individual basis.

Exporters

We can offer cover for those of you with internet sites that sell overseas. However please remember that all policies are based on English Law. Please be sure you understand the laws and equally the customs of any overseas territory to which you intend to sell as many vary considerably from those we are used to here in the UK.

Sales to the EU normally cause little difficulties, whilst sales elsewhere need to be handled with more care. We regret we cannot offer cover to those who sell to the US or Canada.

HOW TO APPLY

Simply call our freephone number on 0800 092 4383. we'll discuss the options available and arrange the best quotes for you. You can pay your premium by cash, cheque, card or monthly by direct debit.

By using Manor Insurance as your broker you will receive Impartial – Friendly – Professional Advice