Home Business
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Home Business Insurance Options and Quotes for Baltimore, Annapolis, Westminster Residents
Over 50% of home businesses are exposed to lawsuits without insurance protection
Websites, VOIP phone service, and mobile technology allow your home business to seem much bigger than it may be. But even though your business isn't really big business, it can be exposed to losses just like larger businesses, like product liability or lawsuits from business visitors who may simply trip over a child's toy or a piece of furniture.
Sometimes your home insurance policy can cover your home business pursuits
Homeowner insurance policies can be customized (endorsed) to include insurance for business property as well as liability, but there are limitations. Many of our customers work at home part time, commuting to their offices in Baltimore, Westminster, or Annapolis, the rest of the time. Often, these incidental office exposures can be adequately covered by a homeowner insurance endorsement.
But as your home office grows to include expensive business equipment, hard to replace business records, and product inventory, a stand alone home business insurance policy may be necessary. Some home businesses we insurance even out grow these policies, in which case a Business Owners Policy (BOP) would be the next step in insurance coverage.
Don't be confused about whether you are protected, or what kind of insurance policy you need for your home business. Just call or contact us, or fill out our quick, secure, online quote request form and the experienced home insurance specialists at Kirby Insurance will help you sort through your options.