We are the voice of insurance and long-term savings | Contact us

ABI comments on latest working from home guidance

The ABI confirms that anyone following the Government’s latest Covid guidance to work from home where they can will not normally have to tell their home insurer, unless in specific circumstances. The position on this remains unchanged from the ABI’s commitment made in April this year

Mark Shepherd,  ABI’s Assistant Director, Head of General Insurance Policy, said: 

Mark Shepherd“Insurers have and will continue to support their customers throughout the challenges of the pandemic, including paying up to £3bn in the UK for Covid-related insurance claims. These latest measures will shift the focus back on working from home for many, and our guidance should give clarity and peace of mind for those needing to work from home.”


Home insurance

If you are an office-based worker and will continue to work from home, it will remain the case that you don’t need to contact your insurer unless any of the following applies:

  • You have visitors to your home on business matters, for example, if you have a face to face client meeting.
  • Your business makes or sells goods from your home or you store any of these items at your home, particularly if the goods valuable or include hazardous or flammable material (such as gas cylinders or fireworks)
  • You’re offering any other services from your home. For example, this would apply to jobs such as providing beauty treatments, hairdressing, child minding, dog grooming or being an exercise instructor.
  • You’ve adapted your property (i.e. using an outbuilding as your home office or have undertaken any major renovation works) or acquired new business equipment that belongs to you. Cover for any business equipment (i.e. laptop) will usually be the employer’s responsibility but check with your employer if unsure.

Anyone who has established, or is planning to establish, a business from home during the pandemic, or has moved the running of their business to their home premises, should discuss the cover required with their insurer or broker.

It is important to make sure that your policy documentation is accurate, and your policy cover remains right for you. If you are not sure, you should contact your insurer or broker to check.


Notes for Editors 

Enquiries to:  

Malcolm Tarling                  020 7216 7410    Mobile:  07776 147667  

Laura Dawson                     020 7216 7338    Mobile:  0772 5245838

Myles Langstone           020 7216 7335   Mobile   0783 4626206

Sarah Aspinall                     020 7216 7412    Mobile:  0772 5245297   


  1. The Association of British Insurers is the voice of the UK’s world leading insurance and long-term savings industry.  A productive, inclusive, and thriving sector, we are an industry that provides peace of mind to households and businesses across the UK and powers the growth of local and regional economies by enabling trade, risk taking, investment and innovation.  
  2. Skype and FaceTime are available for broadcast.  
  3. More news and information from the ABI is available on our website, abi.org.uk. 

Last updated 13/12/2021