Insurance has never been on most businesses or peoples top of their priority list although it should. Adequate cover not a luxury but a necessity as it gives you peace of mind and can come in handy if something adverse happens and you need to make a claim. Some of those adverse events are not a matter of IF but rather When they occur. 

The reality is that all the risks associated with the work you do as a business or self-employed in a professional capacity fall squarely and solely on your shoulders. This includes any accidental damage or bodily injuries to third parties that happen on your premises, whether you are working from an office or your home.