Do You Need Business Insurance if You Work From Home?
Working from home is more common than ever. But if you run a business from your house, don’t assume your homeowners policy has you covered.
What Homeowners Insurance Covers (and Doesn’t)
Covers your home and personal belongings.
May cover a small amount of business equipment (usually up to $2,500).
Does not cover business liability, client injuries, or lost income.
Risks for Home-Based Businesses
A client trips on your porch while visiting.
Your laptop with client data is stolen.
A fire damages your inventory stored in your garage.
Business Insurance Solutions
General Liability Insurance – Protects you if someone is injured on your property.
Business Property Insurance – Covers equipment and inventory.
Professional Liability Insurance – Protects against errors in your work.
Home-Based Business Endorsements – Affordable add-ons to extend coverage.
👉 If you’re freelancing, consulting, or running a small business from home, you may need more than homeowners insurance. We can help find the right fit.
