If you are an individual who operates a business from your home, or one who offers services such as photography, entertainment, or fitness instruction, business insurance can provide protection for your business assets and from third party claims.
Many small business owners operate their business from home and believe their homeowners insurance will cover their needs. But while homeowner's insurance does protect your home and personal assets, it may not protect home-based business property, such as technology, files, and professional equipment. Also, operating a home-based business without your insurer's knowledge could nullify your homeowner's personal liability coverage. Business insurance can help cover the cost of business assets, and can help cover the costs of legal claims made against your business.
If you offer services for clients onsite or at events, you may need business insurance. Liability coverage can help to protect against third-party claims and property damage. In certain cases, venues may require outside contractors to carry liability insurance for the duration of the event. Make sure you are covered properly with the right business insurance that fits your needs.
Whether you are a sales consultant, entertainer, home baker, life coach, or fitness instructor, or you offer other products or services as an individual business owner, business insurance can provide the protection you need for your business assets and from third party claims.
