Agent, Rural Mutual Insurance Co., Union Grove, WI
To properly protect yourself and your business you should have a commercial liability policy at minimum. Contact a local agent to discuss your coverage needs and pricing of them. Commercial liabilty policies typically start at one million dollars of coverage. There are also many other coverages to consider depending on the type and size of your business.
Any home business is unique.
You may need Commercial General Liability, Product Liability, Workers Compensation, Commercial Auto, Director's and Officer's, Professional Liability, Inland and Ocean Marine.
Ask yourself the following questions:
- Do I meet with customers in my home office? If yes, I need general liability.
- Do I go out and meet with other people for my business? If yes, I need general liability.
- Do I deal with any products, sales, stock, inventory, equipment? If yes, I need general liability with products/completed operations included.
- Do I offer installations or servicing?
- Do I use any subcontractors?
- Do I have other people come to my home office work for me, including janitorial and landscaping maintenance?
Once you answered these questions contact your HO insurance agent and ask if your HO policy contemplates any home office exposures?
You can compare insurance quotes for your home business online at http://www.paperless-insurance.com
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You may need Commercial General Liability, Product Liability, Workers Compensation, Commercial Auto, Director's and Officer's, Professional Liability, Inland and Ocean Marine.
Ask yourself the following questions:
- Do I meet with customers in my home office? If yes, I need general liability.
- Do I go out and meet with other people for my business? If yes, I need general liability.
- Do I deal with any products, sales, stock, inventory, equipment? If yes, I need general liability with products/completed operations included.
- Do I offer installations or servicing?
- Do I use any subcontractors?
- Do I have other people come to my home office work for me, including janitorial and landscaping maintenance?
Once you answered these questions contact your HO insurance agent and ask if your HO policy contemplates any home office exposures?
You can compare insurance quotes for your home business online at http://www.paperless-insurance.com