As the number of people who work from home continues to rise, statistics from AXA Business Insurance suggested that the majority of the 5.4 million homeworkers in the UK are, probably unknowingly, operating without the insurance cover they need and over half are potentially breaking the law in the process.

According to research from AXA, 16 percent (over 850,000) of homeworkers employ one or more people yet only 3 percent (around 150,000) have employer’s liability insurance. Meanwhile just 14 percent (approx 750,000) of homeworkers surveyed say they have business car insurance yet 66 percent (over three and a half million) use their cars for business purposes. In both instances this would mean they are operating illegally