Do your insurers know? If not then any claims could fail in two ways. Firstly the number of liability claims has dramatically increased since the recession started. People will sue for almost anything, especially with “ambulance chasing” firms offering no win no fee. After all what does the injured party have to lose? Run a business from home without your insurers knowing and any claim like this could be thrown out and then you would have to find the thousands of pounds it could cost yourself. Cover is not necessarily expensive but on the right basis and will ensure that you and your business are properly protected. Secondly, we’ve seen cases of those invited into the premises taking objects. Whether that is a major or minor item since there has been no break in insurers will ask for detail and on discovering the business use at home potentially reject the claim.
