Home workers urged to make sure they have adequate insurance cover

People who work from home could face financial problems if they fail to make sure they have adequate insurance, according to leading insurer Cornhill Direct.

Although most employed people who work from home should be covered by their employer's insurance, anyone thinking of starting a business from home should check they have the right cover.

The warning comes as a new survey reveals that many of us dream of swapping office life for a job at home. The survey revealed that:

69 per cent of UK office workers would choose to work from home if they had the choice

One in five workers are so eager to work from home they would happily take a pay cut if it meant they could do so

One in five people think they would get more work done because they would have fewer distractions

More than a third say it would also give them more flexibility with their children
Cornhill Direct home contents policy holders can opt for a 'homeworker extension', which includes £10,000 cover for business contents and up to £10m employer's liability cover.

Mark Bishop, spokesman for Cornhill Direct, said: "Home workers do need to consider the insurance implications because equipment used for commercial purposes may not be adequately covered or covered at all by a standard home insurance policy, particularly if removed from the home. There is also the potential liability issue to consider if a customer or business associate visits their home and is injured."