It’s not uncommon for home insurance policies to exclude equipment used for business. This is just one of the reasons why it’s important to have a separate policy specifically for your work tools.
There are other differences between business contents and home contents policies. For example, the policy we arrange at With Jack includes worldwide cover and will pay for data recovery costs if you accidentally damage a hard drive and lose important work. Business contents claims tend to be paid out quicker because you’re dependent on that equipment to deliver your work on time.