Quite often we forget that if, we are self employed or even freelance, coverage in the office within our home can be limited. What you took for granted that is covered, really is not. Here are some things to ask your insurance agent regarding insurance coverage on your home office.

• What is the limit of business equipment in your office?
• Does your current homeowners policy cover business liability?
• Do you have coverage for “cyber crime?”
• Are you covered for people who visit your home for business purposes?
• Is your business records covered for loss?
• Are you covered for business interruption within the home?

There are policy riders and other additional coverage available for self employed people who work out of their home. Try to imagine your home office a completely separate entity that needs its own insurance. Even if you are employed by a large corporation and they let you work from home or “telecommute,” always remember to check with your insurance agent before starting your assignment.

Here are four ways your insurance agent can help you get proper coverage on your liability risk:

1. He can write a separate business policy for property
2. BOP or business owners policy
3. Homeowners endorsement
4. Custom home office/home business insurance policy

Don’t risk being under insured or over insured on your home office!

For more information or to secure a no obligation quote, call Doug at 480-443-1952