Hi i was wondering if i needed any kind of insurance when working from home i am going to selling clothes on the internet and sending them to customers i was told i needed public liability insurance but nobody from the public will be coming to my place of work so do i need this

Legally there is no insurance that you need i.e. compulsory - unless you employ anyone.

I would however tell your house buildings and contents insurer that you are working from home. They MAY be able to offer you a special homeworker policy to include your stock and public liability. If they can't then a local broker would be able to help. Business stock is not mormally covered under a house insurance policy.

If you are living in a let property you should check that working at home will not breach the terms of your lease. The fact that you are working at home may also affect the landlords insurance policy covering the house.

In the UK, household policies would only offer a working from home extension where the work undertaken is purely clerical with no clients visiting the premises.

That said, there are specialist "working from home" schemes available from several leading insurers. I'd suggest you contact a local broker who will be able to advise you further on this matter.