In today’s work at home blog, I will discuss the need and nature of insurance policies that cover your home based business. For more useful information on your home based business, check back at the work at home blog frequently.
There are many people who work from home, and many of those people just assume that their home owner or rental insurance policies cover them if there is any damage caused to their business. This is not the case. These policies are woefully inadequate for covering your business expenses in case of a loss. If you do work from home, you probably have invested a lot of money into computer technology. Computers are a virtual necessity to any business owner, and they can be particularly expensive to replace. In addition, if you have any employees, you will need to seriously consider workers compensation insurance to make sure their covered in the case of an injury. Similarly, you may want to consider liability insurance to cover any clients that may visit your home in the course of business. Remember, if you’re running a home based business, you can’t afford not to carry some forms of insurance. Shop around and see what kind of coverage you can pick up today.