I am trading from home my work shop is a room in our house and the reception area for customers is half my attached garage.
Obviously I need insurance for public liability and also to cover accidental damage to customers work so looking for guidance and recommendations please.
Paul
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Insurance
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GeoSpectrum
- Posts: 1679
- Joined: Fri 01 Oct, 2010 12:49 pm
- Location: Lincolnshire
- Organisation: Ashcraft Framing
- Interests: Framing, cycling, Family, x-country skiing, wine, art
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Re: Insurance
We use NFU, they have a policy designed for the home worker.
Alan Huntley
Ashcraft Framing
Plain wood frames, Inlay/tray frames and painted frames for artists.
http://www.ashcraftframing.co.uk
Twitter: @AshcraftFrames
Our Blog: http://ashcraftframing.wordpress.com/
Doing nothing is a much underrated activity
Ashcraft Framing
Plain wood frames, Inlay/tray frames and painted frames for artists.
http://www.ashcraftframing.co.uk
Twitter: @AshcraftFrames
Our Blog: http://ashcraftframing.wordpress.com/
Doing nothing is a much underrated activity
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poliopete
- Posts: 635
- Joined: Mon 04 Apr, 2016 8:13 am
- Location: The Wash
- Organisation: Annie Lou Fine Framing
- Interests: Caring for my wife, Picture Framing and Natural History
Re: Insurance
If you check old posts on this subject NFU come highly recommended. 
Myself. I have always used a local broker and never had a problem.
Peter.
Myself. I have always used a local broker and never had a problem.
Peter.
Re: Insurance
I use the NFU. 
It's a good idea to fix a base level for 'work held in trust'. If you have to keep artwork on the plot for
any length of time that goes over this level you can give them a bell and bunk up the cover for the duration.
It's a good idea to fix a base level for 'work held in trust'. If you have to keep artwork on the plot for
any length of time that goes over this level you can give them a bell and bunk up the cover for the duration.
Watch Out. There's A Humphrey About
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Jamesnkr
Re: Insurance
Talk to your current household insurers. They may well already cover you for a low level of home working.
What you will not be covered for is:
1. Insurance if anybody else uses your Morso. Don't forget employer's liability insurance if you have anybody helping you.
2. Your customers' stock, as Prospero notes. But... if you're not framing valuable artwork then you may consider you're better off saving that expense.
Most of the cost of insurance cost is against fire.
What you will not be covered for is:
1. Insurance if anybody else uses your Morso. Don't forget employer's liability insurance if you have anybody helping you.
2. Your customers' stock, as Prospero notes. But... if you're not framing valuable artwork then you may consider you're better off saving that expense.
Most of the cost of insurance cost is against fire.