Many people who run a business from home can get the coverage they need from their regular homeowner’s insurance policy. Some companies offer an optional endorsement that covers things like inventory, equipment, and supplies that are related to business. This is a cheap way to get coverage for many kinds of home businesses. Like direct selling, consulting, and making web content.
Still, there are times when you might need a different business policy. You might use expensive tools or equipment that would be hard or expensive to replace. There may be times when customers come to your house. Meaning there is a risk they could get hurt and sue you. No matter what, you should talk to your EZ agent about if you might need a business insurance policy in addition to your home insurance.