Clark-Mortenson

Homeowners' insurance policies offer limited or no protection for your business while it is being operated from your home. They were never intended to cover business exposures; therefore, office equipment in your home is limited. And your homeowner policy provides no coverage for liability on your home-based business. On top of this, operating a business in your home may make portions of your homeowners' policy coverage null and void. (For example, coverage on a detached structure that has a business office in it.) You need to contact your insurance professional to discuss the best way to cover your home based business, either by endorsing your homeowners policy to properly cover your exposure, or by purchasing a separate business owners policy.