What Insurance Do You Need For A Home Business? 
Any home business is unique . You may need Commercial General Liability , Product Liability , Workers Compensation , Commercial Auto , Director 's and Officer 's , Professional Liability , Inland and Ocean Marine . Ask yourself the following questions : - Do I meet with customers in my home office ? If yes , I need general liability . - Do I go out and meet with other people for my business ? If yes , I need general liability . - Do I deal with any products , sales , stock , inventory , equipment ? If yes , I need general liability with products/completed operations included . - Do I offer installations or servicing ? - Do I use any subcontractors ? - Do I have other people come to my home office work for me , including janitorial and landscaping maintenance ? Once you answered these questions contact your HO insurance agent and ask if your HO policy contemplates any home office exposures ? You can compare insurance quotes for your home business online at WEBSITELINK 