For domestic service operators, the lesson is highly practical. Cleaners, gardeners, mobile carers, home maintenance providers and other service businesses often shift equipment between a home office, vehicle, storage unit, client site or secondary workspace. If a policy only lists one address, or if tools and stock are stored in a way the policy excludes, a claim may become difficult even where the business genuinely believed it was insured.
The case also underlines that relying on a broker or adviser does not remove the business owner’s own responsibility to review documents. Brokers can provide valuable guidance, but they still need clear, timely instructions. If you lease a new storage area, move business assets to a garage, add a vehicle, hire staff, start using subcontractors or change the kind of services you provide, those changes should be communicated and documented.
This is especially important for home-based businesses, where personal and commercial arrangements can overlap. A home contents policy may not adequately respond to business equipment losses, and a business package may impose conditions around security, open-air storage, locked vehicles, alarms or listed locations. These conditions can matter just as much as the headline sum insured.
Before renewal, home service operators should do more than compare options on price. A useful review should include:
- checking every insured address, including home offices, sheds, garages and storage units;
- confirming where tools, equipment, stock and client property are kept overnight;
- reviewing public liability, professional indemnity and business property limits;
- asking whether vehicles, trailers or mobile equipment need separate cover;
- keeping written records of all instructions sent to an insurer or broker.
The broader message is not that claims are destined to fail, but that policy accuracy is a risk management task in its own right. A few minutes spent checking schedules, endorsements and exclusions can prevent a stressful claim from becoming a dispute over what was, and was not, insured.
Please Note: If this information affects you or is relevant to your circumstances, seek advice from a licensed professional.
