What If My Business Is Run Out of My Home?

This is where things can get confusing — and where gaps often happen.

Many people assume their homeowners policy or personal umbrella insurance will cover their business activities if they work from home.

In most cases, it doesn’t.

Here’s why:

  • Homeowners insurance is designed for personal risk, not business operations
  • Personal umbrella policies extend personal liability, not business liability
  • Even a small side business can create exposure that isn’t covered

Examples:

  • A client visits your home and gets injured
  • You provide a service or advice that leads to a claim
  • You store business inventory or equipment at home

In these situations, you may need:

  • A home-based business policy, or
  • A commercial policy with the right endorsements, or
  • A commercial umbrella policy depending on your risk

The key takeaway:

Just because your business is small or home-based doesn’t mean the risk is.

Personal vs. Commercial Umbrella Insurance: What’s the Difference and Do You Need Both? Read More

Why This Matters

This is one of the most common coverage gaps we see.

Business owners often think, “It’s just me working from home — I’m covered.”

But personal and business liability are treated very differently when a claim happens.

Final Thought

If you’re unsure whether you need personal umbrella, commercial umbrella, or both, you’re not alone.

The right answer depends on how your life and business intersect — and where your risk actually lives.

That’s where a conversation can make all the difference.  Give us a call!

 

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