Business Insurance

Business Insurance

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Business Insurance for the Home Based Business

In our increasingly digital society, more and more people are starting, and continuing, to work from a home office.  Working at home comes with a myriad of benefits, including no commute, no distracting coworkers and an increased sense of independence.  At the same time, it is important to remember that even though the business is run at home, it still needs to be insured.

Much like standard auto policies that will not cover your car if you travel excessively for work, renters and homeowners policies will not cover a home business.  Therefore, if you work from home, and want the comfort of knowing you are covered, it is important to work with an insurance company to determine what is the proper type and amount of coverage that you need.

If you do not have any additional equipment at home then maybe Business Property Insurance is not needed.  However, if you have expensive computer equipment or other business related property that would not be covered if the event of a fire or theft, you should seriously consider purchasing this type of insurance.  If you are going to have business visitors to your home office, then Liability Insurance should be purchased in the event one of those visitors is injured.  Again, if the visitor was there for business purposes, your homeowner’s policy will not cover it.

With home based businesses growing in popularity, an increasingly larger number of insurance companies are beginning to offer this type of coverage as an add on to a homeowners policy.  So, it is best to compare the cost of adding business insurance to your existing policy versus getting a separate policy exclusively for your business needs.  As always, shop around and compare different insurance companies to make sure you are getting the best price.

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Business Insurance Resources

Important: although the information presented on this page was provided by the experienced insurance specialists at, it's use is strictly limited to educational and informational purposes. This information is not to be used in place of the consultation provided by a licensed insurance representative or legal advice of an attorney.