Home Office Insurance Policies

Many people are now investing significant time and assets in the establishment of a home business. This may be as simple as a home office, direct marketing, or as complex as a small assembly operation. While running a business from your home may be a great way to work, there is very little business protection provided by your homeowners policy. Business property coverage is very limited and there is virtually no business liability protection. Should a claim result from your home business activities, your homeowners policy will leave you on your own.

The primary areas you should be concerned with are:  business property, electronics and business liability.  If you have any employees, you are required to provide Workers Compensation coverage.  If you use a car for your business, you must advise the insurance company.

We offer home business policies and endorsements from several companies at a very low cost. We can provide either a stand-alone policy or combine the protection with your homeowner’s policy. Of course not all-home businesses are eligible for a home business policy and it is possible that we might have to recommend a full commercial insurance policy. If that is the case, you might want to consider the possible impact on your homeowners’ policy. Finally for those businesses with a substantial investment in electronics, we can offer the full protection of a specific computer policy at a very reasonable cost.

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