Rex Nichols

High-tech communications and the Internet are making it possible for more people to become self-employed by offering services out of their basement or spare room. 

A home-based business creates a unique need for business personal property and business liability insurance.  Most standard homeowner’s policies do not extend adequate coverage for a home-based business located in a person’s home. 

The main reason the homeowner’s policy does not cover liabilities for a home-based business is because the business is creating the accident or liability, not the home.  Business owners should also think about the equipment needed to operate their business.

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