Should you be looking to start a home business, it’s a good idea to make sure you are aware of the differentiation between home and home business insurance. While you may be tempted to avoid business insurance, you should note that your home insurance is not likely to provide adequate coverage should your business be struck by disaster. California insurance may protect both so long as you have the correct policies in place.

Home insurance covers your home structure, contents and generally includes a liability component should anyone be injured while in your home – but this doesn’t generally extend to business related visitors. Home insurance may not cover all of your business equipment and items valued at over $2000. There are a range of policies designed specifically for business and relying only on home insurance may leave your business vulnerable should it be struck by disaster. Commercial auto insurance, professional liability, business interruption insurance and data loss protection are just a few insurance products that may assist your business and help keep it running if the unexpected happens.

Professional advice is recommended to ensure you have a full grasp on the variety of California insurance products for both home and home business. For tips, advice and information, our insurance agent is just a phone call away.

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