Insuring your business if you're based at home  Many small
business owners are setting up their business from home. Despite
the benefits, there are risks attached so it's important to have
insurance cover Cake stall Lacock village Fair Whatever your
business, if you're running it from home, you should consider
specialised insurance. Photograph: Mr Standfast / Alamy/Alamy
Whether you're baking cakes to sell at events, trading products
online which you stock in your private property or using the
spare bedroom as a makeshift office, there are a number of
things to consider when running your business from home.  One of
the issues sometimes overlooked by small business owners -
especially in the early days - is insurance. Your home insurance
is unlikely to cover any losses which relate to the business,
meaning that your finances could be thrown into turmoil from one
day to the next.  Jazz Gakhal, head of Direct Line for Business,
explains the potential pitfalls of being uninsured: "If there
were a storm, flood, f