In-Home Business Insurance

Working from a home office or doing business from your home can be a great way to earn extra income and has a number of intangible benefits: less stress, no commute, time with the kids, etcetera. But it is important to remember that the home business is just that — a business. It needs to be insured like any other business.

Renters' and homeowners' policies do not cover home businesses. Personal auto policies do not cover autos used for business purposes. Many policies have exclusions for "illegal" operations, so it is important to determine if your business is allowed to be a home based business in your community.