The short answer
Standard UK home policies allow clerical home working (laptop, calls, online meetings) but exclude client visits, stock storage, manufacturing and any commercial activity. Business equipment is often capped at £2,500–£5,000 — beyond that, a home-business policy is required.
Frequently asked
- Do I need to tell my insurer?
- Yes if clients visit, you employ anyone at the property, or business equipment exceeds the standard limit.
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