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Why do Home Based Businesses need insurance?
Just because you don’t have a typical office or working space doesn’t mean things can’t go wrong. Whether you’re working in administration, running an online store or working as a web developer, every occupation comes with its own level of risks. Click, compare and save with BizInsure and get coverage to protect your home-based business today.
We cover many types of home businesses
- Home health care
- Notary public
- Social worker
- Adult day care
- Administrative support services
- Answering & reception services
- Dog walking
- Dog grooming
- Graphic designer
- Online shops
- Web developer
Insurance for Home-Based Businesses
General Liability Insurance
One of the basic insurances to consider is General Liability insurance. General Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or member of the public are injured or sustain property damage as a result of your negligent business activities.
Meaning if you have clients visit your home-based office or if you go off-site to visit them that you have protection in place if you were to accidentally cause injury to them or damage to their personal property.
Cyber Liability Insurance
Take the time to consider the consequences if the client data you had stored was compromised. The impact could be devastating to your business.
Cyber liability insurance is a type of business insurance product, which protects your business against both the legal costs and expenses (including compensation payments) related to breach of Personally Identifiable Information(PII). Your coverage may generally include coverage for expenses and legal costs relating to the following:
- Data breaches
- Theft or loss of client information
- Business interruption costs
- Forensic investigation
- Data recovery
- Fines and penalties
- Crisis management costs (to restore your businesses reputation after an attack or data breach)
- Legal costs from any ensuing civil action taken against you or your company
Having a home-based business means there are certain business assets that you will require to perform your day job. Contents insurance provides coverage for loss of or damage to items such as business equipment, stock, plant and machinery, records and furniture belonging to you at the insured location.
If you are on the road and need items like your laptop, tools and equipment to perform your profession, then consider protecting your items with Inland Marine or Business Equipment Floater coverage.
Inland Marine or Business Equipment Floater insurance covers you for loss and damage to items of equipment or business property in transit associated with your business. These can include tools of trade and items of stock.