Owning your own home business in Wheat Ridge, CO can be a dream come true. You are finally your own boss and you make decisions about your time and talent. But with freedom comes the potential to have things happen to your business that is now your responsibility. Since you are running your business from your home you may be wondering if it is covered by your home insurance or do you need commercial insurance for your home business?  At CO Insurance Specialist our team of expert agents will be happy to help you to understand how best to protect your home business. 

The type of commercial insurance that you may need for your home business depends on what type of business it is. Home insurance may give you limited coverage on your business equipment and inventory but there is a real possibility that the limits on your policy won’t be as high as you might need to be able to continue to do business after a covered event. Commercial property insurance can be tailored to your business so that you will be able to get right back into business as soon as your claim is approved. 

For some types of home businesses, it may be a good idea to have professional liability insurance and general liability coverage.  They offer you protection against being sued by customers pr clients. If someone comes to your home to get the service, they may be hurt while visiting. Advice that you gave to a client may be deemed to have caused them harm and they may seek a judgment against you. Liability insurance is great protection for you personally and your home business.

These are just some of the types of commercial insurance that are offered. Visit CO Insurance Specialist in Wheat Ridge, CO or a call our office and we will help you to make sure that your home business is protected.