Home businesses are a current trend that shows no sign of easing. It makes good sense to save money by not having to rent a space by using your home as your business location. But you must always be aware that this is a business and your home insurance may not be right for your business. At Halabicky Insurance Group in Brighton, MI, we will work with you to design an insurance package that is right for you and your business.
Coverage Options For Your Home Business
Property insurance
Commercial property insurance covers not just the physical structure of the building; it covers the things that are required to carry out your business. This includes office equipment, electronics, inventory, raw materials, tools, and much more. If you rely on your home insurance, you will find that it is not designed to protect your business property. To adequately cover your business, you need commercial insurance which is designed for the purpose.
Liability coverage
Your home liability coverage protects you when you are at home and when you are away. It covers personal visitors who come to your home to visit. It doesn’t however cover anyone who comes to your home to conduct business with you. Being sued is one of the major risks that every business faces and protecting yourself is vital for the future health of your business.
Business interruption insurance
Business interruption insurance is definitely something that home insurance does not include. If your business can’t operate due to a covered peril, you won’t have any income to pay your bill. Business interruption insurance will allow you to keep up to date with your expenses until you are able to get back in operation.
Consult With Us
In Brighton, MI and the surrounding area, the Halabicky Insurance Group offers personalized insurance services for all of our clients. Give our office a call to discuss your needs.
