Home Office Insurance

A home office insurance covers all the possible risks involved in running a home -based business. Many home -based business owners assume that their home owner's insurances provide coverage for their home offices too. But the truth is using the insurance for other purposes without notifying your insurer will only invalidate your policy.

Basically all home -based businesses should have contents insurance apart from the property insurance offered by the homeowner's insurance. A clear estimation of the cost of the home office equipments is necessary before applying for this insurance. So that incase of damage or loss of the equipments, the insurance policy can pay for the replacement of them.

General liability insurance is another kind of insurance that every home based businessman should be aware of. Incase of any accident to your clients or visitors, or damages to their properties, this policy can cover the cost of injuries to the visitors and employees on the business premises.

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