As more and more people in the U.S. start small businesses, many of them work out of their homes, not only because they are the types of businesses which can accommodate home offices but this also saves on the expenses of commercial office space.
Whether you are a computer consultant, CPA, direct sales operation or an independent business owner of a multi-level direct sales business, the question is: “Are you properly covered for business liability and business property exposure which are typically not coverages under your personal homeowners insurance policy?” The answer is probably NO. Business exposures, (such as) which can include ________, _____________, ______________, are usually excluded on your homeowner policy but there are programs available to protect your business, either through “riders” to your home policy or as a stand-alone Business Office Policy (BOP). Depending on the type of business and gross revenues, the coverage can be tailored to fit your needs and the pricing is not overly expensive. Don’t get caught without the proper insurance coverage for your in-home business.
For all your business insurance needs, including workers compensation and disability give me a call at Randy Jones Insurance Services.