I run my small business out of my home. My homeowners policy should cover any property or liability claims against me from my business.
Not True. Most homeowners’ policies will not cover any claims for business tools, office furniture, or inventory. It also does not cover you for liability claims surrounding your business operations.
Some policies will allow you to add a rider to cover your small business equipment and limited liability. Contact your insurance agent to make sure you have the coverage you need in place.