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, and the gaps show up when a claim does.
Business property in the home, like inventory, equipment and 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 gap is the 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 quote the coverage the business needs, without paying for coverage it doesn't.
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