Yes. If you own a business, even if it’s run out of your home, you need commercial insurance. If something were to happen to your business in Fisherville, KY, and you’re not adequately insured, you’re putting both your business and personal assets at risk. Also, you don’t want to assume that just because you work out of your home that your home-based business is covered by your home insurance policy. This is simply not true. Many homeowner’s policies severely limit the amount of coverage they provide for business-related equipment and other costs. 

Millions of Americans work out of their homes. So who needs commercial insurance? Anyone who owns a home-based business like photographers, consultants, eCommerce merchants, freelancers, and more. If you work from home and you don’t work for a company, you need commercial insurance.

Commercial insurance covers the cost of any disaster that befalls your at-home office equipment. If your laptop is stolen, you can count on it being replaced. A homeowner’s insurance policy will not likely do the same. Another reason to have commercial insurance as an at-home business is the possibility of litigation. If you see clients in your home, for example, and they’re injured, you are liable. If, as a photographer, you take your clients to a nature spot and they get injured, you could be held liable. There are lots of scenarios like this one to consider. 

Whether your equipment suffers theft or fire, or your face litigation, you need to be covered. Otherwise, you risk losing your business. 

To learn more about purchasing a commercial insurance policy in Fisherville, KY, contact the team at TruePoint Insurance, serving this area. Our reputable agents are standing by to take your call and answer all your questions.