Basing your business in your home is a very attractive option. It allows you to avoid paying rent for an office or for storage of business equipment. At Brokers Insurance Agency in Lincoln, NE, we know that businesses face many risks, and we work with our customers to mitigate as many risks as possible.

Property Coverage

Your home property insurance coverage provides for the physical building of your home. Commercial property insurance takes the place of both property insurance and contents. Home insurance also has content coverage, but it is designed to cover what would generally be in your home. It is not designed to cover business property. You could end up having very little in the way of coverage from your home insurance. It might cover a desk and some office equipment, but it isn’t going to replace lost inventory or your records. Commercial property insurance provides all the coverage you require.

Liability Coverage

Liability coverage is a serious area when it comes to running a business out of your home. While your home insurance has liability coverage for people who visit your home, it doesn’t cover those who visit your home for business purposes. You could lose your home if you don’t have the right insurance coverage, not to mention your business. Commercial liability coverage will provide all the protection you need.

Business Interruption Insurance

When your business cannot operate, your bills still need to be paid. Your home insurance won’t be of any help to you. If you have business interruption insurance, it will provide the cash you need to hold you over until your business is up and operating again.

Contact Brokers Insurance Agency in Lincoln, NE when you need to discuss commercial insurance benefits for your home business.