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According to the U.S. Small Business Administration more than half of America’s businesses are home-based. But setting up headquarters in your home doesn’t mean your homeowners insurance will adequately protect your operation.
A typical homeowners policy provides about $2,500 of coverage. That usually will cover equipment, but it won’t offer liability protection or cover you for lost data or income.
Do your research to protect yourself and your home business. Make sure you have the right type and amount of insurance coverage.
In general, home-based business owners have three basic options:
As always, if you are not sure you are adequately protected or have questions about your policy, please contact your agent.