There is no liability coverage if a client falls down your steps and sues you. And don't expect compensation for lost income if a fire shuts you down. These policies, which are not available in all states, typically merge business coverage limits with the limits on an underlying homeowners policy. Other companies that offer in-home business policies in some states include CNA and Kemper.
BOPs are usually as broad as regular commercial policies but cost less.
Many companies offer BOPs, including CNA, Fireman's Fund, the Hartford, Kemper and State Farm. N.Y. For help assessing your business's risks and finding the right policy, contact an independent insurance agent. The Kiplinger Washington Editors, Inc.