What Insurance Do I Need For A Home Business? 
The provision of your homeowners policy that covers business pursuits is applicable only when your main office is away from your home and you take work home . For example , a notary public working from a professional office , also can meet with clients at his home office -LRB- on weekends , or after hours -RRB- . Other than that , your homeowners policy wo n't cover business related claims . It may in some instances provide coverage for `` sleep and fall '' accidents and business personal property , but frankly , you must have a stand alone business insurance . Insurance coverage for your business will depend on your operations and other specifics . If you are an importer of consumer goods you would need a product liability insurance , if you are a contractor - general liability insurance , and so on . Your business insurance agent should be able to suggest correct coverage . 