Yes, you do--at least if you want to protect yourself, your family, and your assets. That's because homeowner's insurance does NOT cover commercial activities in your home--especially when you have clients/customers coming into your home for your business. If a client, a customer, a business associate or assistant, etc. is injured on your property, your homeowners would not protect you and you'd be left to pay any judgment or settlements out of pocket. Speak with an insurance broker--you definitely want to make sure you're protected.