Home Office Insurance

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Home Office Insurance - the best cover and the best value

If you have a home office or use your home for business, it’s vital you have the right insurance cover in place. Cover required for a home office may differ from that covered by a standard Home Insurance policy. With more office equipment and technology our home office insurance policies are specifically tailored for every risk. At Performance Direct we can search the entire insurance market to ensure our clients receive the best, value-for-money cover. Safeguarding your home office, your equipment, belongings, and possessions.

With a home office insurance policy from Performance Direct you can ensure that, whatever happens, your correctly insured. Click the button for an insurance quote or call our specialist home insurance team on 01708 564 147.

We are proud to be a Chartered Insurance Broker. Only around 5% of the UK’s broking firms achieve this prestigious status. Also, we have been a BIBA Member since 2007, the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries, and their customers.

We provide insurance services to UK residents only.

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Benefits of our Insurance Policies

  • Flexible payment options

  • Dedicated account handler

  • UK call centre

  • Access to Lloyd's of London markets

  • Wide policy coverage

  • Claim management service

We search our panel of leading underwriters to find you the best policy

Why choose Performance Direct?

  1. The latest digital systems. Our customers enjoy all the advantages of the digital world. We offer excellent web and app-based insurance services, including a fast, easy-to-use quote engine, and automated customer services allowing hassle-free access to documents and information.

  2. The peace of mind of a Chartered Broker. Everything we do is backed by a team of skilled, experienced insurance professionals. We’re a Chartered Insurance Broker, a family company with a proud 40-year history, so we’re bound by a personal and professional code to deliver the best service for our clients.

  1. We’re independent. Because we’re not tied to any brand or product, we can search the insurance market to get you the best policies. Whenever you ask for a new or a renewal quote, our systems search a panel of up to 100 leading UK underwriters to ensure you get the lowest price and the best policy.

  2. We’re on your side. If you need to make a claim, because we’re completely independent, we work with you to sort everything out and to make sure your claim is paid. Our claims service is available 24 hours a day, 365 days a year. 

  3. Here for you. Your Online Insurance Account, support features, and on-line quotations are available 24/7, and our office is open 6 days a week.

Combining the advantages of the latest technology with real world experience, Performance Direct promises the lowest prices with the most efficient service.

Insurance Essentials for Home Business

Professional Indemnity Insurance

Protects against financial losses due to professional mistakes.

Public Liability Insurance

Covers lawsuits related to injury or property damage.

Tools of the Trade

Covers specialised equipment not typically included in home contents insurance.

Performance Direct, for all your insurance needs

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Home Office Cover with Performance Direct

Not all home insurance policies offer cover for running a business and working at home. It's imperative that you notify your insurer if this is something that you intend to do.

Why you might need Home Office Insurance

Your home office furniture and equipment might not be covered under standard home policies. You may also intend to have clients visit your home and it's vital that you disclose this to your insurer so that the correct cover can be offered for your situation. 

Importance of Business Insurance

There's a common misconception that standard home insurance covers business operations, but it often doesn't, to ensure your business assets and services are protected, it's essential to have a dedicated business insurance policy in place. If you require business insurance and would like to speak with one of our business insurance team click here.  

Home insurance may cover clerical work but not all business activities. Always inform your insurer if you're working from home, especially if it involves non-clerical tasks, to avoid policy invalidation.

Coverage for Garden Offices

Most home insurance policies don't cover outbuildings used for business purposes. Whether it's a shed workshop or a garden yoga studio, inform your insurer about business use to ensure proper coverage.

To ensure your home-based business is adequately protected, talk to an expert at Performance Direct who will help you find the right policy with the appropriate level of cover you require at the right price.