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How Can I Buy Home Insurance If I Use One Room For My Business?

Question by Moon Walker | Posted in Other - Home & Garden

Hello there! I am a freelance web publisher so basically I work from home using my laptop. My husband and I just bought our first home. The other day I was shopping around for home insurance when an agent told me if I run my home business many carriers will mark me as "not eligible" for home insurance. Is this true? How do I get around that? What's the best home insurance company?

Answer: insurance website:
http://insurance18.cn
 
 

Home Business Insurance?

Question by ProudMamaOfThree | Posted in Insurance

I am contemplating starting a business that would provide entertainment for kids parties. My "entertainers" would be teenage actors and they would be performing in the homes of our clients . I would run the business (ie take the bookings and payments) from my home.

What insurance do I need to be thinking about?

Thanks

Answer: Workers comp and general liability. You might also consider abuse/molestation endorsement the GL policy, to give you defense costs against accusations of abouse or molestation.

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How Much Aproximately Does It Cost For Liability Insurance To Run Home Piano Teaching Business.?

Question by fakechat6 | Posted in Insurance

I read you can add something called an endorsement to your home owners insurance policy to cover extra liability of running a home bases business. I plan on teaching approx. 15 students and am in California, anyone have any idea how much the Business extra insurance would cost?

Answer: Not all companies will do that, and the price varies by state. My mother is a piano teacher, and Erie Insurance charges her $150 a year, on an endorsement to the homeowners policy.

But I don't believe Erie writes in California.

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If You're An Insurance Agent (Auto, Home Or Business) Do You Have To Carry Your Own Errors And Omissions Ins.?

Question by »-(¯`v´¯)-» мaяк's ωifee | Posted in Insurance

If you're an Insurance Agent (selling Auto Insurance, Business Insurance or Home Owners Insurance) do you have to carry your OWN 'Errors and Omissions' Insurance? Or is it provided by the Company you are working for?
(does your Employer carry the Insurance for you? or do you have to purchase the insurance and keep it up to date on your own?)

Answer: It will depend upon the contractual arrangement you have. If you are an independent contractor you will most certainly need to purchase your own E & O insurance. On the other hand if you are an employee of the company or agency they will normally include you as an insured under their policy.

Do not assume you have coverage. This is an important point to clarify.

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Home Business & Insurance?

Question by Voice of Liberty | Posted in Insurance

This is the second posting, as everyone who answered seemed to not understand what I was asking:

I am starting a home-based business in WV. I have obtained the required licenses in my state and have registered with the WV Secretary of State's office.

There are no empolyees and almost all activity pertaining to the business is conducted elsewhere (at shows, flea markets, etc.) however a physical address was required to register the business, so I used my home address.

Question: What does this do to my homeowners' insurance?

I will purchase a separate policy specifically for the business, so the liability aspect is covered. This question

Answer: Well, it's up to the homeowners insurer. Most, for that kind of business, as long as you have a seperate GL policy, will ask you for a copy of it, and happily keep writing your homeowners insurance. Some still won't want to write your homeowners policy. It's up to the individual companay, and their underwriter, to make that choice.

No, having that business there does NOT "automatically" mean you need a commercial policy, with the type of business you have (no foot traffic, and no hazardous business property on site).

Regarding your house burning down. The insurance company can decline to pay for any contents used for your business. I don't think

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Home Business Insurance | Business | Make Money Online From Home

by Vincent

The first kind of home business insurance that you should think about is insuring the things that you have in your home business office. This means that if something happens to your home, you will get money on your belongings from your home insurance but you can get other money on your office supplies from your business insurance....

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