More people run a business from home than ever, and most assume homeowners insurance has them covered. It usually doesn't — homeowners is written for a home, not a business, and the gaps show up exactly when a claim does.
Business property in the home — inventory, equipment, computers — is often capped at a low sublimit, sometimes just a few thousand dollars. Push past it and the rest is on you.
A client trips on your porch, a product you sell causes harm, your work causes a loss. Homeowners generally excludes business-related liability. That's not a small hole — it's the whole reason businesses carry liability coverage.
See our home & auto page for the personal side.
Running an undisclosed business from an insured home can complicate an unrelated claim, too. Honesty keeps the whole policy clean.
One caution: "it's just a side thing" is how uncovered claims start. If money comes in, insure the activity.
Tell us what you do and we'll cover the business properly — without overpaying for coverage you don't need.
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