Consider getting insurance for any office equipment or furniture you use for your business—even if it’s in your own home. Otherwise, make sure that your homeowner’s insurance covers your equipment and any assets you use in running your business. In most cases, home owners insurance will not cover home based businesses. Call your insurance agent and make sure it’s all covered, otherwise, it might not be.
One of the most important pieces of home based business insurance or small business insurance is professional liability, which covers services. (Note: This kind of insurance frequently has a low deductible, but the lower the deductible, the higher the premium.)
Other kinds of business insurance, like general liability, worker’s compensation, employment practices (which covers many kinds of suits from employees) and crime insurance (which covers embezzlement, credit card fraud and fraudulent refund bookings) can all be useful, but depend on the price of the premium, the deductible and the size of the staff.
For a commercial insurance quote in McClean, VA, contact TriState Business Insurance.
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