Do you have a home office and are looking for commercial insurance brokers in Mill Creek that can help you get the coverage you need for your home-based business? American Insure-All® is ready to lend a helping hand. We have aided enterprises of all sizes in securing excellent coverage for their needs. Whether you are a small business in a brick-and-mortar establishment, or a sole proprietorship working from home, we can help you get the best policy for your commercial affairs.
Choosing home-based business insurance helps protect you against claims arising from third-party liabilities, property damage, and much more. The most common types of insurance you can find for home offices are general liability insurance and commercial property insurance.
Home insurance is not the same as home-based commercial insurance. Home insurance covers a private homeowner’s establishment, while home-based business insurance is tailored specifically to working out of the home and does not cover the house itself. While you can get select coverage options in your homeowner’s insurance policy for a home-based business, not every company offers this, and different companies may offer it to varying degrees, so always compare coverage options and rates to get the best deal.
Home-based insurance for your business is a must in a variety of conditions, such as:
- Business-related visitors such as clients, customers, or vendors that come to your home, which may require general commercial liability insurance.
- Business property such as computers, equipment, or inventory for your business that is exclusively for business use and worth more than $10,000, requires commercial property insurance to protect it.
- If you provide a service for a fee, you need errors and omissions insurance. This is vital for jobs like a home-based bookkeeping business or financial consultation.
- You may need worker’s compensation if you have employees other than immediate family members working with you in your home.
For items that are used for businesses that are less than $10,000 in overall value, it is more likely that you can find coverage in your home insurance policy that covers these business-related expenses.
If you’re ready to upgrade your home business with commercial insurance brokers in Mill Creek that can guide you to the best coverage and pricing for your needs, American Insure-All® agents are waiting for your call. For more information on the policies that we offer, or to speak with an agent about your insurance requirements, call our team today at (888) 411-AUTO.