Ontario Home Business Insurance
It is becoming easier and easier to work from home. Get on the computer, log in to your company’s computer system and there you have it, or maybe you operate your own business from your home. There are thousands of people who work from home on a regular basis. (No commute, yahoo). On a more serious note, however, it is important to know that if you operate a business from your home, you should purchase a home-based business insurance policy. This insurance will protect your business and your home. The home-based-business professionals at Tri-County Insurance will provide at-home business insurance that fits your individual insurance needs. Damages or accidents that occur as a result an at-home business are not covered by your home policy.
Our brokers at Tri-County Insurance want to make sure you are properly protected. Here are some coverage’s to consider.
Business Property Coverage
Special insurance can be purchased to ensure the investment you have made into the property pertaining to your home-based business including such items as computers and printers will be protected by selecting a limit to suit your unique business needs. These things may not be covered because special limits may apply in your homeowner’s policy to contents pertaining to a home-based business.
Business Interruption Coverage
The hydro goes out for several days. There is a fire at your home and your at-home office for your business is damaged. Your home-based business office suffers water damage. Do you have the proper insurance to cover losses if you are not able to keep your business operating during these kinds of incidents? Business interruption insurance will cover the loss of income or profit lost during the period of restoration to repair or restore your home. Our Tri-County Insurance team can provide you with business interruption insurance in case of these types of mishaps.
Liability Insurance Protection
The personal liability coverage provided by your personal property policy will not cover liability arising from home-based businesses. If a customer stumbles walking into your home or sues you for problems with a product or service provided by your business, you will need to have liability insurance in place to protect you and your home-based business. Liability is one of the greatest risks to a home-based business and liability coverage under your home-based business endorsement will provide you with the added protection you need.
Contact our insurance brokers at Tri-County Insurance for information, advice and a quote for the right home-based business insurance.
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