Insurance

3. Home Workers' Insurance

A growing number of start-up businesses begin life in people's homes.

3.1 Do not rely on your household insurance.

• Ordinary household insurance policies will not usually cover business risks such as employers', public, or product liability.

3.2 If you start working from home or using your car for business, your household and motor insurance may be invalidated.

3.3 Special 'working from home' policy packages start at about £125 per year.