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If you’ve recently launched a business from home, it’s time to consider your insurance options. You can’t count on standard home insurance to protect your business assets. Although you can increase your property and liability protection by getting home endorsements, you’ll still have lapses in your coverage. At White Oak Insurance LLC, serving the greater Milford, CT community, we recommend purchasing business insurance to safeguard your home business and keep it running smoothly.

Commercial Insurance Options for Home Businesses

Starting a home business can be challenging enough without having to worry about insurance. By getting the right coverage from the start, you can focus on running and growing your business to help it succeed. Depending on the nature of your business, you may want one or more of the following commercial insurance options:

General Liability – for protection against customer injuries while visiting your business or injuries customers may sustain from faulty products. If an injury leads to a lawsuit, liability insurance helps cover legal costs.
Commercial Property – protects your business equipment and products against theft or damage from disasters like fire, hurricanes, etc. This includes computers, copy/fax machines, office furniture, inventory and other equipment used for business purposes.
Business Interruption – covers business expenses like payroll and loss of income if your business has to close down due to disaster damage. Business interruption will even pay to relocate your business temporarily while repairs are made to your home/business site.

General liability, commercial property, and business interruption coverage can be bundled together in a business owner’s policy (BOP). Other commercial coverage options include worker’s comp to protect employees against injuries on the job and commercial auto insurance to cover vehicles used for business purposes.