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Work from home insurance

When worlds collide – Home and Business Insurance

There has been a fair bit of air time and print devoted to Home insurance recently, and more specifically business activity carried out from an insured home or insured premises. More and more it seems that people are setting up businesses from home, or running side businesses for extra cash.

 

If you use the expertise of an insurance broker, then you have made a good start. Insurance brokers work for you and understand domestic insurance products as well as commercial insurance products. This is important as businesses that operate from home often have overlaps between the two products.

Having said that, an insurance broker (and an insurance company) can only make decisions based on the information they are provided with. So please make sure all questions are answered in full, answered truthfully and with as much information as possible. It is much better to be having difficult conversations with your insurance company at inception or renewal rather than at the time of a claim and any dishonest, careless, or even unintentional failure to disclose business activities (however small) could have dire consequences and leave you uninsured. If in doubt, ask or declare it your insurance broker.

Insurers are particularly interested in factors which are outside the “normal” and those which increase the risk of a claim. Businesses that operate from home premises may present a higher than normal risk and need to be declared to the insurer. Insurers may be interested in how the business affects the fire or theft risk and they are also interested in how the business activity might impact on the public liability exposure. Even if you have separate insurance for your business it is important that your home insurer is aware of any business activity you engage in, either on or from your premises.

A lot of stress can be avoided and an insurance broker can assist you in your dealings with an insurance company when placing business. An insurance broker also advocates for you in the unfortunate event that you are required to lodge a claim. If you go direct to an insurer via the phone or online then the responsibility to navigate the insurance world is on you.


The good news is that there are solutions to most problems. There are insurers that will accept these risks but they cannot make an informed decision if they are unaware of relevant information. If you run a business from home (however small) or allow business activities to be carried out from your premises, please discuss this with your broker to ensure you have purchased the right cover for you and your assets.

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Duty of Disclosure

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Before proceeding, ensure you disclose all relevant information. Non‑disclosure may lead to denial or reduction of claims, cancellation of your policy, or voiding of the contract (in cases of fraud). If anything below triggers a “Yes”, be prepared to provide details when requested.

  1. Have you ever had an insurance policy cancelled, declined, or had special terms imposed?
  2. Have you ever been declared bankrupt?
  3. Have you ever been involved in a company or business that became insolvent or was subject to insolvency or voluntary administration (e.g. liquidation or receivership)?
  4. Have you ever been convicted of any criminal offence (other than minor traffic convictions)?
  5. Have you ever been liable for any civil offence or pecuniary penalty (exceeding $5,000)?

Claims History

  1. Have you ever had a claim declined or refused due to fraud, suspected fraud or suspicious circumstances?
  2. Have you had any Business or Personal Insurance claims in the last 5 years?
  3. Within the last 5 years, have you ever been charged or convicted of a criminal offence?

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