---
title: "Does Your Homeowners Cover Your Business: Working From Home"
description: 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.
---

[News - Camargo Insurance ](https://camargoinsurance.com/news)

# [Does Your Homeowners Cover Your Business: Working From Home](https://camargoinsurance.com/news/does-your-homeowners-cover-your-business-working-from-home)

 Written by [Camargo Insurance](https://camargoinsurance.com/news/author/camargo-insurance) | Mar 17, 2026 6:46:15 PM

## 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](https://camargoinsurance.com/news/what-do-i-need-to-know-about-umbrella-insurance)

## 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!

 

[View full post](https://camargoinsurance.com/news/does-your-homeowners-cover-your-business-working-from-home)

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