all home-based businesses to carry separate commercial insurance, it’s highly recommended to protect both your personal assets and your business. Key considerations include:

1. Homeowners Insurance Endorsement

• Many insurers offer an endorsement (add-on) to extend coverage for certain business activities at home.

• If you don’t inform your insurer about your home-based business, claims related to business activities could be denied.

2. Business Property Coverage

• Protects equipment, inventory, and other business-related property against theft or damage.

• Standard homeowners policies often have low limits for business items, so additional coverage may be necessary.

3. Commercial General Liability (CGL)

• Covers bodily injury and property damage resulting from business operations.

• Especially important if clients visit your home or if your products could cause harm.

4. Professional Liability (Errors & Omissions)

• Vital if you provide professional services or advice.

• Covers claims alleging negligence or mistakes in your work.

Consult your broker to determine which combination of endorsements or stand-alone policies best fits your situation. This ensures you’re protected and compliant with any legal or contractual requirements.