Lady working on computerDoes working in pajamas from the comfort of your home’s living room sound appealing to you? You’re not alone! In fact, about three out of every ten homeowners operates a home-based business and enjoys the luxuries that you may be yearning for. Ready to take the plunge and start your own home-based business? First you need to know how to protect your assets and financials.

As your own boss and a business owner, it’s your responsibility to ensure the protection of your livelihood. You may think that your computer, printer, phone system, filing cabinets and additional business assets are protected by your home insurance since they are situated in your house. However, most standard home insurance policies will only cover up to $2,500 worth of business property. But that sum doesn’t travel very far if a fire tears through your home office, destroying electronics and critical files.

Don’t make the mistake of operating underinsured. There are simple, affordable solutions to cover your business’ interests. In fact, it could be as simple as adding an endorsement onto your home insurance policy, which usually provides business property coverage up to $5,000. This is an ideal solution for very small businesses with few physical assets.

If that isn’t enough coverage, ask your independent insurance agent about an in-home business insurance policy. This coverage is sold separately from your home insurance, but it offers business property coverage up to $10,000, along with liability coverage.

If you run a home-based business that also involves a storefront or some other location, you may consider a business owner’s policy for more flexible and comprehensive coverage.

Which coverage is right for your home-based business?

We’ll help you find the best coverage solution. Call Budget Insurance Agency at 478-788-9188 for more information on Macon business insurance.

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