Your personal insurance policies most likely won’t cover your business activities. Commercial insurance can protect you from the risks you face as you operate a business, whether it’s part-time, home-based, or even bigger.
Commercial insurance is one of the most important ways you can protect your business from financial loss from unexpected and unforeseen events. If you’re the sole proprietor of a business, commercial insurance may go even further and protect your personal assets, too.
Home-Based Business Insurance
When you operate a business out of your home, either full-time or part-time, your homeowner's insurance may not offer you enough coverage. Most homeowner’s policies don’t cover business-related liability, for example. If a customer or supplier is injured at your home, for example, your homeowner’s policy generally won’t cover the injury claim since the incident involved business activities. And if a fire destroys the inventory or supplies you keep in the garage, your homeowner’s policy may only cover the loss up to a certain dollar amount.
We can help you determine how much business insurance coverage you need to protect you from the unexpected events, such as fire, theft, injuries, or accidents, which could lead to major financial losses for you and your business.