Q: Hi Larry, I have a business in my home. Do I have any insurance coverage for my business from my homeowner’s insurance?

A: The short answer is NO. To expand just a bit;  with only one exception (found in the personal property special limits of liability) business is always an exclusion when used in a homeowner’s policy.

Further questions? Please e-mail Larry.

I was asked by a client on whether she needs business liability insurance. She runs a web consulting firm with two employees. She mainly serves small to medium businesses.

While, having business insurance has many benefits including:

• Defense Costs
• Your customer may request proof of insurance
• Protect your assets, (home, business, bank and investment accounts)
  from judgement in legal action against you.
• Safeguard and Enhance your financial future.
• Protect your lifestyle.