HOME OFFICE INSURANCE
Operate a business at home, and protect it there too.
Keeping your business safe and sound is a top priority, but you may be surprised to learn that your homeowner’s insurance does not provide the liability or property protection you need for a home office. That’s where business insurance comes in, helping protect your business’ files, technology, and professional equipment.
Consider our home office insurance services.
More and more homeowners these days have built home offices or operate their business from their home. This introduces a number of insurance considerations you should fully examine to ensure you can both cover business-related losses at your home, and keep your business running in the event of a claim.
We can review your existing policy, the assets, and the risks your home office poses. We can help you decide whether you need an endorsement/rider for your existing policy, an in-home business policy, or a business owner’s policy (BOP).
Amongst many factors that impact your coverage, we will need to understand:
- What industry are you in?
- Do clients visit your home-based business?
- What is the total value of the business assets located in your home office/business?
- What data and intangible property does your business manage?
What coverages are available under home office insurance?
A typical homeowner’s policy provides minimal coverage for business property on and off premises; as well as no liability coverage related to business activities. An individual with a home-based business faces many potential risks and without proper coverage there may be several gaps. Depending on your business, you may want to consider policies that offer coverage for:
- Off premises lost or stolen business equipment
- On and off premises personal injury claims
- Loss of business income
- Limits available to $1 million for liability and $100,000 for business personal property
- Optional coverage for money and securities
- Equipment breakdown
- Professional errors and omissions sublimit for select classes included in the basic rate
We’re here to help you succeed.
Contact your local Marshall+Sterling office to learn more about your home-based business insurance options. We will help you find the protection that best fits your unique needs and budget.
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