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Running a business from home feels low-risk, but it comes with a common and costly surprise: most homeowners policies exclude or sharply limit coverage for business activities. That leaves many home-based businesses unknowingly exposed.
If business equipment is stolen, a client is injured visiting your home, or your work leads to a liability claim, your homeowners policy may not respond. The more your business grows, the wider that gap becomes.
Do not assume your home policy covers the business. A modest policy can close the gap. Explore business insurance or start a quote.
Contractor general liability limits are usually set by the contracts you sign, not by guesswork. Learn how per-occurrence and aggregate limits work, what happens when a contract demands more than you carry, and how to close the gap.
Business InsuranceCommercial umbrella insurance adds excess liability limits above your general liability, auto, and employer's liability coverage. Learn the contract requirements, asset thresholds, and risk signals that tell a small business it is time to add one.