Reports US Small Business Administration that there are 29.6 million small businesses in the United States, 52%! are at home - and this trend should only increase, according to research from Network Solutions Small Business Index. We even have a new word for this vital demographic increase "homepreneurs" - but some owners of small home businesses are the dangerous assumption that their home insurance will cover their business needs. In fact, it is essential to consult your insurance representative to understand the limits of the insurance your landlord regarding your home business.
For example, many policy owners offer a maximum of $ 2,500 of coverage for business equipment (computers, fax machines, etc.) in the house - so your actual investment may far exceed that number, so you may need business property insurance to adequately cover all equipment and inventory. In addition, depending on the nature of your business, you can require liability insurance: "If you are sued because of your business at home - the company that hired you as a consultant estimated that review was wrong dead; computer equipment that you "fixed" does not work; the cookies you baked made sick - your homeowners policy will not protect you "[- How to Protect Your In-home Business]
Finally, you may want to insure against loss of income in case of fire or disaster natural
If you're like millions of other home business entrepreneurs, your business is too important to risk a sup-optimal coverage, here are some things to consider when consulting with your agent:
- equipment and furniture
- Inventory
- commercial items belonging to others in your care
- receivables
- files, documents and reference materials Important
- electronic data
- the responsibility for personal injury, products, services and contractual obligations
- Auto. - be sure that your current policy covers all commercial uses
and you may have special considerations for disability, life and health insurance. Your agent can help you tailor your coverage to your specific needs, and protect your important home business. See our Kit Small Business Assurance Tool.
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