Whether you’re selling handmade creations online or you’re running a small catering business out of your kitchen, it’s important that you protect your hard work. In many cases, commercial insurance for home-based businesses makes sense. At The Mitchell Agency LLC in Alabama, our team is here to help you rest assured that your home business is safely insured.
Does Homeowner’s Insurance Cover Home-Based Businesses?
The short answer: not usually.
The longer answer: typically, home insurance does not cover home-based businesses, meaning that it’s smart to take out a commercial insurance policy to protect your business.
Consider Your Insurance Needs
It’s smart to consider the type of equipment that you need to run your business when working to figure out how much coverage you’ll need. You’ll also want to consider the level of liability coverage you’ll need, especially if you’re in a line of work where there’s a potential for client injury. If you have employees, it’s also important to ensure that you have coverage for workers’ compensation insurance. If you don’t have employees, you may want to consider purchasing disability insurance for yourself, which can help if you become seriously ill or deal with a severe injury.
We Can Help!
You need to protect your home business, and we’re here to help. At The Mitchell Agency LLC in Alabama, we’re here to work with you to provide you with the coverage that you need. Whether you’re a solo operation or you’re working out of your home with a small team, we’ve got you covered. Reach out to us today to learn more about our commercial insurance policies.