{"id":5172,"date":"2016-04-04T10:47:57","date_gmt":"2016-04-04T15:47:57","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/smallbusiness\/starting-a-business\/do-you-need-home-business-insurance.html"},"modified":"2026-05-08T16:27:00","modified_gmt":"2026-05-08T21:27:00","slug":"do-you-need-home-business-insurance","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/smallbusiness\/starting-a-business\/do-you-need-home-business-insurance.html","title":{"rendered":"How To Determine the Best Business Insurance Coverage for Your Home Business"},"content":{"rendered":"\n
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How To Determine the Best Business Insurance Coverage for Your Home Business<\/h1>\n\n
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\n By Amber Sheppard, Esq.<\/a> | Legally reviewed by Catherine Hodder, Esq.<\/a>\n | Last reviewed\n
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Home business insurance coverage protects entrepreneurs from financial losses that standard homeowners policies typically exclude. An in-home business policy may cover liability for client injuries, theft of professional equipment, and data breaches.<\/p>\n\n <\/div>\n\n\n\n

If you run a small\u00a0<\/span>business<\/span> from home<\/a>, you need more than just homeowners insurance<\/span> to protect yourself in case of an accident or injury. If someone sues you for an accident at your house, your\u00a0homeowners\u2019 or renters\u2019 insurance<\/a>\u00a0may not fully cover what you must pay the injured person.<\/p>\n

You need small business<\/span> insurance<\/span> and home-based business<\/span> insurance<\/span> to protect you from risks associated with doing business at home.<\/p>\n

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Inadequate Homeowners\u2019 and Renters\u2019 Insurance Policies<\/h2>\n

Although some policies cover a home business, many policies have exclusions. This is when underwriting\u00a0specifically excludes coverage of home businesses<\/a>. This means an insurance company<\/span> will not pay you for losses to your home business.<\/p>\n

Here are some common examples of exclusions for policyholders with home businesses:<\/p>\n