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House Insurance & home Business

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  • 04-06-2015 9:57am
    #1
    danoriordan1402
    Registered Users Posts: 697 ✭✭✭


    My partner is looking to run a home business as a sole trader- there would be customers calling to the house where she will have a studio set up. There will be some stock on the premises and customers items, approx value <10k I would imagine. We called our home insurance company to see if they could offer additional coverage but they said they would cancel the policy immediately if there ws a home business set up ( 123.ie)

    The other main concern would be public liability in case someone was to fall/slip on the premises etc
    I have a couple of calls into brokers who are looking into it but was wondering if anyone gone down this route successfully before.


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    #2
    duploelabs
    Registered Users Posts: 11,403 ✭✭✭✭duploelabs


    You're best off going to a commercial broker rather than a company that centers it's business on the domestic market


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    #3
    Mrs OBumble
    Registered Users Posts: 25,967 ✭✭✭✭Mrs OBumble


    Have you got planning to run a business from there? If there are customers visiting (and delivery trucks bringing stock), then I doubt you'd get insurance before you have planning.


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    #4
    danoriordan1402
    Registered Users Posts: 697 ✭✭✭danoriordan1402


    Mrs OBumble wrote: »
    Have you got planning to run a business from there? If there are customers visiting (and delivery trucks bringing stock), then I doubt you'd get insurance before you have planning.

    There isnt going to be a material change of use on the property - just one room that will be designated a studio. The house is rural based and detached, any customers are by appointment only, no drop ins or signage going up - I would assume that PP wouldnt be required but I guess it may be best checked with the council.


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    #5
    bulleyes
    Registered Users Posts: 99 ✭✭bulleyes


    Try FBD. You might need two policies though. One domestic and one commercial.
    My home and business are currently with FBD but with two policies.


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