If you run a home-based business, standard home insurance likely won’t cover business-related equipment or liability. Here’s how to bridge the gap:
- Home Business Endorsement: This can cover limited business property (like office equipment) and provide liability coverage if clients visit your home.
- Business Owner’s Policy (BOP): For larger or riskier operations, a BOP offers more comprehensive protection, including liability and property coverage specific to business assets and operations.
- Cyber Liability Endorsement: If your business involves client data, consider a cyber liability endorsement to cover data breaches, hacking incidents, and other cyber-related risks.
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