If you have a business in your home, you may want to consider the following:
- A customer visiting your home for business slips and falls. Will you have coverage since the customer was at your home for business purposes? A delivery person slips and falls when delivering a package to the business.
- Your home based Limited Liability Corporation suffers a power surge damaging your computer, telephone and fax. Will your homeowner’s policy provide coverage when the property was purchased and owned in the name of the LLC?
- You are working a trade show and someone trips and falls over your display. Will you have coverage in place away from your home?
- Does the homeowner’s insurance carrier know that you are providing child care for others – for a fee -out of your home? Is this business exposure covered or excluded?
A home-based business policy is designed to provide coverage for the unique exposures a business can present.
Please contact your Rue Insurance service representative at 800-272-4RUE to discuss your options.