King & French Insurance Agency: Protecting you Home Business in 5 easy steps.

http://brianmurphy.myhomehq.biz/running-a-home-business

What Your Homeowner Policy Doesn’t Cover If You Operate a Home Business

Thinking about starting a home-based business? Before you hang a sign outside your front door, check your homeowner policy to find out what is and isn’t covered. The following may not be covered by your homeowner policy:
Business Contents – Property specifically related to the business, such as office equipment or product inventory, may not be covered at all or be subject to policy limits.
Data Recovery – If damage to a computer or other hardware results in lost data, the cost of recovering that data may not be covered.
Offsite Property – Even if your laptop is protected under your homeowner policy, it may only cover it when the loss or damage occurs at home.
General Liability – If Aunt Mabel falls while visiting your home, your homeowner policy will cover her injuries; however, if a client or an employee has the same accident while conducting business, your liability coverage may be void.
Business Interruption – If a fire, flood or other disaster forces you out of your home, making it necessary to suspend business operations, your policy won’t cover your costs during that period of lost revenue.
Let your insurance company know that you are starting a home business, as simply using your home for purposes other than those your insurer is aware of may void your policy. Be sure to note if there are any coverage limits that may cause problems as your business grows.