Running a small business from home is 1 of the most convenient and cost-effective decisions an aspiring entrepreneur can make. Not only does it give you the advantage of being flexible, but it helps you keep your overheads down low for as long as possible. It also means that you can enjoy spending more time with your family.

That said, your business still faces risks. In fact, small, home-based businesses tend to face the same risks as any other company. That’s why business insurance, which will protect you, your business, and your home from damages and liability, is a good option to consider.

To see whether your small business requires cover, look through this checklist.

Tick the boxes appropriate to your business:

 Are you a certified member of a professional body, offering professional services, like accountants, doctors, architects, or lawyers?
 Do you have employees working for you at your home?
 Do you see customers or clients at your house for things like pick-ups, consultations, etc.?
 Do you use your car for business purposes, like making deliveries or getting to appointments?
 Does your business make anything, like matric farewell dresses or canapes for catering?
 Does your business store data, like customer details or back-up data?
 Does your business need special equipment which you keep in your home, like a laptop or sewing equipment?

Did you tick any boxes?

If you did, then it might just be time to look into adequate cover for your small business. There are some instances when household cover is more than adequate, but that’s only if you occasionally work out of your study or home office. If, on the other hand, you conduct most of your business from home, then business insurance is absolutely essential to protect your business assets and finances.

Why is it important to be sure? Because home insurance doesn’t cover your products and equipment (or anything) if it is used to generate income.

What does the king’s royal business insurance cover:

  • Fire
  • Buildings combined
  • Business interruptions
  • Accounts receivable
  • Theft
  • Money
  • Glass
  • Fidelity
  • Goods in transit
  • Business all risk
  • Accidental damage
  • Public and employer’s liability insurance
  • Stated benefits and group personal accident
  • Motor
  • Electronic equipment
  • Motor traders: Internal insurance
  • Motor traders: External insurance
  • Machinery breakdown
  • Machinery breakdown: Deterioration of stock
  • Machinery breakdown: Business interruption

Do you need Worker’s Compensation?

The hands and minds that labour towards your business’ success need protection, too. That’s why it’s important to protect their safety by registering with the government’s Workmen’s Compensation Fund. Simply, you (as the employer) will pay annual Workers Compensation fees and be protected from being sued by employees who are injured at work, while employees are protected from financial loss.

The king has your back and your business

The king has formed an expert business insurance team to help you get the comprehensive business insurance your business needs. Our top priority is protecting your business, which is why we only work through brokers who are qualified to advise you on your business risks. Please ask your broker to get in touch, or if you don’t have 1 we will help you find the broker best suited to you.

Let’s get down to business. Get a quote online, call our sales team on 0860 21 00 00, or pop us an email at

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