Homeowner’s Insurance Won’t Cover Home-Based Businesses

working photographer

A client has a side business where she is a photographer taking family portraits out of her home. During her audit, we discovered that her homeowner’s policy wouldn’t extend should a client be injured in her home. We were able to get her insurance coverage that would protect her from liability claims as well as help her replace business property—like her high-end camera equipment—in the event of a covered claim.

If you have clients who run small businesses out of their homes, their homeowner’s policy might not cover or might actively exclude claims arising from business conducted in the home. Depending on the type of company your client has, a comprehensive business owner’s policy might be an affordable way for them to be protected against business-related claims.

Let Brunswick Companies review your client’s policy to see how we can best protect the world they love and everything in it.