Sometimes. Ordinary desk work is often acceptable, but business stock, trade tools, customer visits or other commercial activity can change the risk.

Which home-working activities matter most?

• Customers or clients visiting.
• Storing stock.
• Using specialist machinery or trade tools.
• Keeping expensive business equipment at home.

What to check when the house is also a workplace

• Whether business equipment is included.
• Whether visitors affect liability cover.
• Whether your employer insures equipment it supplied.

Describe what your home business actually involves

Describe the actual work carried out at home. A laptop at a desk is different from running a workshop, storing stock or seeing customers.