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Personal Insurance Coverage May Not Cover A Home Business


Continued advances in technology make it easier for business owners to run their companies from home. With 38 million home-based businesses in the U.S.—and growing—there are many unique financial exposures. Some of the more crucial insurance gaps are created when business and personal property are intermingled; think of storing inventory alongside household goods or using a phone or computer for both personal and business activities. Where does the typical homeowners policy stop and a business owners policy begin? And how do you protect your business and personal assets?

The most common owner-occupied home insurance policy has limitations for business losses, and likewise your business policy has a limitation for personal exposures. Make sure your insurance professional knows that you have a home-based business. This will allow your agent or broker to make important coverage suggestions. You don’t want to miss crucial protections, such as business income loss and property damage.

Allan Block Insurance, Professional Service with the Personal Touch

We are located in Tarrytown, NY, in the heart of Westchester County, a key business district just north of New York City. We write auto, home, renters, condo, co-op, personal, business, life and group insurance for clients locally and in NYC, CT, NJ, PA, MA and many other states. For more information or answers to your insurance questions, please contact us.

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