Home Business Insurance

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When some entrepreneurs think about how to start home businesses, the last thing they think of is "Am I insured for this?" It's a common mistake to assume your homeowners policy protects in home businesses, crafts or hobbies from losses. Typically, they do not.

If you have businesses you run from home — either full-time, part-time, or as a hobby — you may be surprised to learn that many homeowners and renters policies do not cover losses from business activities. That means you could be liable if you have a property loss or liability claim related to your work based from home. If you take a moment to add up the amount of inventory and equipment alone dedicated to this business, it can add up very quickly!

A Home Based Business Insurance policy includes:

• Coverage for theft or damage to your business property (inventory and equipment!),
• Liability coverage for clients visiting your home on business, and
• Liability coverage away from home if others' property is damaged.

A Home Business Insurance Policy is specifically designed to meet the insurance needs of many of the most successful home based businesses.

Some of the coverages available under a Home Based Business Insurance Policy include:

• Up to $1,000,000 in business general liability coverage, both on and off the residence premises.
• Up to $100,000 in business personal property limits for protection at home and while temporarily off premises.
• A standard $250 deductible.
• Up to $5,000 per person for medical payments to customers or vendors injured on your premises.
• Optional coverages for money and securities.

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