Check Out What to Know About Insuring Your Home Business

Keep your home business safe with the right insurance.

A home business is tricky to insure. Since you’re conducting business at home, you would assume that your homeowners insurance has you covered, right? That’s not necessarily the case. As a business, you carry more responsibility, and thus you need added insurance coverage. Learn how to protect your home business, and check out these types of policies.

Supplemental Insurance.

If you run a small, single-person business from your home, you may have the option of adding onto your homeowners insurance. You can buy a supplemental policy that gives you added liability coverage to protect your business. This type of policy is perfect to give you the little extra coverage that you need.

In-Home Policy.

If your business is slightly larger, consider an in-home policy. It gives you more coverage than supplemental insurance, without going overboard. It provides up to $10,000 of coverage and is ideal for a staff of four. While this type of policy does give you liability coverage, keep in mind that your liability coverage is limited. Check to see what type of liability coverage is given and if you need to supplement your professional liability insurance.

Business Owners Policies.

For larger home businesses, you need a business owner policy. It helps to give you more extensive coverage to cover professional liability, business interruption, and commercial property. It can give your business over $10,000 of coverage.

Protect your home business with the right insurance coverage. Contact the professionals at Robert J. Los Insurance Agency to find you the right insurance. Located in Hamburg, New York, we serve all your personal and commercial insurance needs.