Like many new home-based business owners, you might believe that your Homeowners or Renters insurance coverage offers sufficient protection. However, Homeowners policies are not designed to cover business losses. Most offer a small amount of business property coverage, meant to cover incidental items, such as a computer used for office work.
Depending on your business, you might be able to purchase a Homeowners endorsement to cover your business property. Talk with your agent about what type of business you have, how long you have been in business, and how many people you employ.
If your business is small with a low risk profile, and with limited client visits to your home, your Homeowners insurer might offer limited liability protection. This protection would cover slips and falls when a client visits your office, which otherwise would not be covered. If this option is not available, you might want to consider a Small Business policy.
Take a look at the following list. If one or more of the items below apply, you might want to consider a Business policy for your business:
Contact our office today for more information about your home-based business insurance needs!
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