-
- 09/28/2022
Does your Homeowner Policy cover your Home-Based Business?
When in doubt, talk you your agent!
What you consider a business ... may be seen differently
Peggy Claytor
What is considered a business? What you consider a business and what your insurance provider considers a business may be seen differently. Hmm, never thought about that?
So ask yourself "Am I making a profit from my service?".. Chances are it is a business. Do you have clients coming to your home? Do you keep records of your service at home? Do you care for children or adults in your home for a fee? Do you work on your friends vehicles in your garage for a fee? Do I bake and sell goods from my home? If you answer yes to any of these questions , you may want to talk to your insurance agent.
Here are just a few home-based business that may require a business policy or at the least an endorsement to your homeowner policy:
- Accountants and tax preparers
- Web design firms
- Photographers
- Online goods sales
- Caterers and food sales
- Caregivers/babysitters
A business policy may be required for the protection you need.
Peggy has been the Branch Manager in our Keysville location since 2001. She has lived in the area most of her life and has watched it grow. She is an expert in insurance exposures for South Side Virginia including Auto, Home, Farm, Mobile home, and Life. Peggy is very knowledgeable and dedicated to providing the best coverage and service to our clients.
In her spare time she enjoys camping, going to baseball games, socializing with friends and family, as well as spending time with her grandchildren. She also loves volunteering in the community whereas she is an active member of The Barksdale Cancer Foundation.
