Many people who start a business out of their home live with the misconception that their home business is insured under their homeowner’s insurance policy. A traditional homeowner’s policy was designed to offer insurance protection for a private residence and not a commercial business.

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Some homeowner’s policies offer very limited insurance coverage for certain personal property that would be used in a home business, but there is no liability coverage for your business. There are some insurance companies who offer endorsements to a home insurance policy, which provide limited coverage for an “incidental business”. For the most part, your home business is not adequately protected by your home insurance policy. We Separate Our Business From Our Home For Income Tax Purposes - We Probably Should Do The Same Thing With Our InsuranceSo, What Should You Do First? The first thing to do is to contact a local professional business insurance agent, tell the agent about your home business and what type of work you do or the services you offer. You and the agent should be able to decide on the types of business insurance you need and in what amounts. Your Business Insurance Needs May Include:
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Discont Health Plans Under $60 Healthcare savings from a nationwide healthcare network. Savings on healthcare for your entire household under $60 per month. |
Discount Dental Plans Under $20 Nationwide Dental Plan Provider Network. Savings on both preventive and restorative dental services, prescription drugs, vision and chiropractic care. |

Insurance Contact Information In The United States

Technorati Tags: home business, home business insurance, general liability, property insurance, commercial auto insurance
February 9, 2008








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