home insurance trouble for freelancer

[nct73]

Can anyone recommend home (contents & buildings) insurance company who dont penalise you for working in creative industries or being a freelancer working from home? I am a freelance theatre designer & community artist. Many companies will not even give me a quote. My partner is a web designer and occasionally has freelance clients come to the house for meetings which is another no no for most companies even though just a couple a month not several a day which is really what that clause is to cover. Other freelances most have this problem. How do you deal with it? Do you bend the truth to fit? Or just put up with paying twice as much as average?

I got insurance with Churchill when I had clients visiting me at home. The only amendment to the policy was that there had to be evidence of a break-in for the policy to pay out (i.e. damage rather than just stuff taken). When work changed and I no longer had clients to the house, they removed this clause from the policy. It made no difference to the premium.

But they were the only company I could get to quote and, asking around, many of my colleagues simply neglected to tell their insurers.