Home based business

Yes we had to switch insurance fast, it seemed that it was OK to do b+b but not offer therapies and healing from home, we switched to Towergate to start with as that is where we have our professional indemnity insurance, but we have since switched the house insurance to Balend's as they offered a better rate. 🙂

It is worth ringing round the various companies - not all of them are quite so dismissive. My husband and daughter used to work for one of the large insurance companies, and they tell me that some companies will be quite happy to come up with a bespoke policy.

Just think of how many people are working from home nowadays! The main concern of insurance companies is the threat of theft - especially if householders have a constant influx of 'visitors'.

I have separate house and therapy insurance. House/contents insurance has never been a problem, and they cover my clinic room (which is in the garden) plus the contents and public liability should anyone slip on the path at the entrance of the property. I have a professional indemnity insurance for my therapies which covers my work, plus I have loaded the premium to cover my stock (linen/couch/PC/paperwork etc).

Thank you both for your prompt reply , must get ringing around ...... not that many players in the irish market though:mad:

If you delve deep enough you may find that what it means is that if a client/visitor steals something then you're not covered or if they trip then you're not covered but this should be covered by your professional insurance (you will need to check the small print as many therapists, PTers etc do not have the correct cover even if they think they do).

Darrensurrey

Thanks for that ..:)

Note that I'm no insurance broker or lawyer but I just asked my home insurers when they were giving me a quote why they asked that very question.