First of all, a distinction must be made as to what types of insurances are available and who can be covered by them.
If you’re worried about protecting items you use as part of your working from home set-up, you may be in luck depending on your current home contents insurance. Many insurers will insure items within your household against loss, theft, or even accidental damage. Some policies contain clauses for working from home which will pay for damage caused to home office equipment. Check the T&Cs of your existing policies to see if the contents of your office are already covered. This will prevent you from having to take out extra insurance, but don’t automatically assume these items are included in your homeowner’s insurance.
General liability insurance and property insurance are two other forms of insurance you should already have in place that could help set you up to be fully insured in your home office. Your employer will likely also have these forms of insurance. They protect you and your employer against claims related to bodily injury and property damage. However, you can simplify matters by opting to get an insurance tailor made for home worker’s, which combines public liability, professional indemnity, and business contents insurance in one insurance policy.
If you are a freelancer, you won’t be covered by an employer’s insurance in most cases. The list of insurance policies which you can choose to get as a freelancer in the UK is long, and really depends on the industry you’re in. In terms of being covered if you have an accident whilst working, public liability insurance is important if you are meeting or working for a client on your premises and an accident occurs. Having your own public liability insurance is therefore of great importance to cover any accidents that may happen in your office at home.