There are insurance coverages that all businesses need, some that all business should consider, and some that you need only if you have special risk exposures.
Need to Have
Home-based business insurance. The standard homeowners insurance policy excludes liability arising from “business pursuits.” If you have a home-based business, you can buy a rider to add business liability coverage to your homeowners policy, but coverage is limited. With the possible exception of daycare operators, most successful business people will need one or more policies designed especially for businesses. Continue reading “The Liability Coverage Every Business Needs”