Home Working Insurance

With lockdown, our normal everyday lives disappeared as quickly as you can say ‘COVID-19’, and a new way of working was born.  In the quest to keep trading, thousands of businesses sent their workforce home to continue doing their jobs remotely.

Welcome to Home Working insurance from AIC

A few weeks later they’re still there, communicating by email and video conferencing apps, and finding different ways of doing things, but moving your workforce out of your usual premises has more implications than just a temporary change of address. And at this moment in time, who knows just how long ‘temporary’ may mean.

Professional Insurance Packages for all types of home workers. If you’re a remote worker, you may want to make sure you’re fully covered for accidents that happen as a result of working from home. This depends on the nature of your job. If this is something you’ve been thinking about, you might consider taking out extra insurance such as additional accidental cover.

We offer a full range of insurance cover for people working from home. Whether you are a mobile hairdresser, self-employed consultant, private tutor or even offering sports massage therapy from your home address, our Working from Home cover will make sure that your business equipment and home is adequately covered.

Home businesses by their nature can be unique so all of our policies are designed and tailored especially for your individual needs. Our highly experienced consultants have a high degree of knowledge in this field to ensure the right cover and the right price is sourced for you.

Types of cover available

Buildings Insurance

(including Accidental Damage & Subsidence if required)

Computer and Electrical Equipment

Public & Products Liability

Employers Liability

Business Interruption

Either a Loss of Gross Profit or an Increased Cost of Working

Book Debts

Legal Expenses Cover

All Risks

Cover outside the office
What's included?
  • Whether you need cover for everything or you’re just concerned over one specific piece of cover, we can formulate a bespoke package of insurance around your business.

  • A dedicated account handler will look after you, from sales through to claims, so you’ll always know who you’re dealing with.

  • Our pricing is constantly monitored and from a wide range of insurers, so you’ll always get the best quote.

Need help?

Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.

How to make a claim

Whilst you normally have an emergency phone number stated on your policy documents, we always recommend talking to your account handler first.

Accreditations and Awards
Frequently Asked Questions
  • We at AIC always recommend to air on the side of caution, and disclose everything to ourselves, and we can help you decide if this information needs to be told to insurers, which normally it does.

    There are different rules to follow from various sources, as an insurer may ask you to declare convictions in the last 10 years, whereas the rehabilitation act may dictate that you don’t need to declare it for more than say 5 years. DVLA may give you a different answer again for motoring convictions! Talk to one of our friendly consultants and let us help you.

  • Using a dedicated insurance broker provides benefits completely unseen when using a comparison site. With AIC, you’re afforded your own dedicated account manager who specialises in the cover you are seeking. Getting to know our clients is paramount to our customer service dedication and getting to know you AND your requirements is part of that. When you use a price comparison website, you are quite literally just a number and just a click-cost.

  • With any type of cover it is important to present insurers with all the information that will or could possibly affect the way they look at the risk. If this is not provided, insurers have the right to walk away from a claim, to change terms at the time of a claim, or reduce an amount paid depending on which law the insurance adheres to.

    A good insurance broker (like AIC) should not be afraid to ask the right questions of a potential policy holder, or suggest ideas that will help in the risk management of the cover in question. Insurance is there to help you in the event of a problem, and it makes no sense to cut corners on something so important. We’re here to help you!

  • We hate call centres as much as you! Our phones will never be answered by a call centre and only by a staff member. You only deal with your allocated account advisor, so you know who you will be dealing with every time you need to reach out to us.

  • There are two main ways you can pay your insurance: the full sum to cover the next 12 months upfront, or in 12 monthly instalments over an annual period.

    The major drawback to monthly payments is paying by instalment usually makes the total cost of cover higher than it would be if you paid in one go. This is because the insurance company is effectively lending you the money to pay the premium, so it will charge you what amounts to interest on the repayments you make across the year.

    By paying In full you are clearing your entire payment all in one go, meaning the insurance company won’t have to lend you the money and you won’t be due any premiums on the loan.

  • Great question and one we can of course help you with! Business insurance premiums are arrived at by the analysis of your likeliness to have a loss. When you apply for coverage, your information will be analysed by an underwriter who is responsible for determining whether or not they will consider writing a policy for you. Each business has completely different circumstances and we highly advise you to get in contact with us so we can understand and advise in the best possible way.

Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.

01442 24 24 00

7 High St, Hemel Hempstead, Hertfordshire, HP1 3AA