Home Office Insurance

Working from home is now the norm for millions of Americans, and when you work from home, your house becomes more than just a residence. It is also an office, and you also are a representative of your business, be it your own business or someone else’s.

Running any kind of business out of your home means that your home and the commercial assets housed there face unique liabilities. That’s why you must have customized home office insurance that is specific to your operations. With the help of the experienced agents at Barnette and Coates, you’ll be able to put together a comprehensive insurance portfolio that will rush aid to you in times of need.

Why Do You Need Home Office Insurance?

Once you open a home business, your home becomes a commercial property. But it might surprise you to learn that your homeowners insurance will only cover your residential assets, not those associated with your business.

Still, in case of a catastrophe at home, your commercial assets could sustain significant damage. Plus, there’s always a chance that an employee, customer or other party could sue your business over some harm that they allege you caused them. In any such case, your finances could take a huge blow, and your business’s very survival could be at stake. The insurance benefits that you should be able to rely on to weather these storms must come from commercial insurance tailored for home office use.

Essential Benefits for Home Offices

There are numerous types of coverage that you should be able to incorporate into your home office insurance portfolio. These can include:

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• Property Insurance
• Business Income Coverage
• Electronic Data Processing (EDP) Coverage
• Equipment Breakdown Insurance
• General Liability Insurance
• Errors & Omissions (E&O) Insurance
• Workers’ Compensation Insurance
• Commercial Umbrella Insurance
• Commercial Auto Insurance
• Inland Marine Insurance

Of course, your business is different from anyone else’s, which is why your insurance portfolio must contain unique coverage. You can sort through the multitude of policies on the market to find the ones that are best for you.

Working out of your home can be a rewarding, successful endeavor, so long as you take the appropriate steps to make your commercial assets secure. You can trust the experienced professionals at  Barnette and Coates to help you to meet that goal.

We proudly insure home offices in Hendersonville and Asheville, NC and beyond. Let us be your partners, as well. Request a free quote now to get started.