Home-based
Home-based businesses
Home-based operators should clarify what business activity happens at home and whether personal insurance responds.
Risk signals
Common discussion points
- Clients, couriers, or suppliers visiting the home
- Business stock or equipment kept at home
- Online sales, imported goods, or product liability
- Professional advice or service responsibility
- Home policy restrictions on business activity
Covers often discussed
Potential cover areas
- Public liability
- Business contents or stock
- Professional indemnity where relevant
- Product liability discussions
- Cyber or online business discussions
Questions for the adviser
Bring these into the conversation
- What business activity happens at home?
- Do customers, couriers, or suppliers visit?
- Is business stock or equipment covered under the home policy?
- Do you sell products or provide advice online?
Preparation tips
Before the meeting
- Tell the adviser about business activity at home.
- Separate personal and business asset records.
- Check whether the home policy excludes or limits business use.
Prepare your risk context before the adviser conversation.
iCura helps organise the facts, questions, and renewal signals that make insurance advice more practical.