I work from home, am I covered for employee liability for people working in my home with me?

Is my employee covered for liability while in my home? Find out more about employee liability and public liability insurance.

If you have a MORE THAN home insurance policy, any domestic employees such as cleaners and gardeners are covered for liability.

If you run a business

However, if you're running a business from the property, with customers and staff visiting the property, then you'll need a specific employers and public liability policy to cover this.

It wouldn't be covered under your home policy which is a personal, not a commercial policy.

Public liability insurance

We're able to offer you a separate quote for public liability insurance.

Find out more about public liability insurance.

You can also get in touch using one of the options below.

Email us

We'll do our very best to get back to you within 5 days. Due to the high demand we are experiencing, this may take a little longer, however rest assured will we respond to your query.

E-mails are not encrypted so please only provide us with the requested information, and we will be back in touch if we require any more information to complete your request.

For security reasons please do not send sensitive information such as bank, debit or credit card details via email. MORE THAN cannot be held responsible for information transmitted in this way.

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Contact Us

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Give us a call

If your query is not urgent, please fill in our online form and we will get back to you within 5 days.

0330 100 7783

If you need help securing your home, call our Home Emergency number: 0800 300 684

Opening hours

Claims: Monday to Friday, 9am to 5pm

Existing customers and sales: Monday to Saturday, 9am to 5pm

Please note that any charges may apply if you call from your mobile phone. Calls may be recorded and monitored.

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MORE THAN Customer Relations Team
PO Box 255
Wynmondham
NR18 8DP

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About Us

MORE THAN is a trading name of Royal & Sun Alliance Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323).