{"id":281,"date":"2022-05-18T04:00:00","date_gmt":"2022-05-18T10:00:00","guid":{"rendered":"https:\/\/www.sanmarcosinsurancegroup.com\/blog\/?p=281"},"modified":"2022-05-18T15:14:51","modified_gmt":"2022-05-18T21:14:51","slug":"do-i-need-commercial-insurance-if-i-work-from-home","status":"publish","type":"post","link":"https:\/\/www.sanmarcosinsurancegroup.com\/blog\/do-i-need-commercial-insurance-if-i-work-from-home\/","title":{"rendered":"Do I Need Commercial Insurance If I Work From Home?"},"content":{"rendered":"

Over the last couple of years, the number of people who run their businesses from home has ballooned. As a home-based business owner, the dilemma of whether you need commercial insurance for your business has been lingering in your mind.<\/span><\/p>\n

Do You Need Commercial Insurance if You Run a Home-Based Business? <\/span><\/strong><\/h3>\n

Yes, you do since your homeowners’ or renter’s insurance policies don’t cover home-based businesses. Commercial property insurance protects your business’s property and physical assets against unfortunate events like theft, fires, and natural disasters. As a home-based business owner in Chandler, AZ, the commercial property insurance likely covers items like:<\/span><\/p>\n

    \n
  • Signage<\/span><\/li>\n
  • The building that houses the business<\/span><\/li>\n
  • Inventory in stock<\/span><\/li>\n
  • Phone systems, computers, furniture, and other office equipment<\/span><\/li>\n
  • Vital company documents<\/span><\/li>\n
  • Accounting records<\/span><\/li>\n<\/ul>\n

    Is There Additional Business Coverage I Need for My Home-Based Business? <\/span><\/strong><\/h3>\n

    Commercial property insurance is not enough if you want maximum protection for your home-based business. Here are some additional business coverages that we at San Marcos Insurance Group<\/strong> recommend:<\/span><\/p>\n

      \n
    • Business liability insurance<\/strong> – to protect your business when clients and other visitors come to your home for business reasons and suffer property damage or personal injury<\/span><\/li>\n
    • Professional liability insurance<\/strong> – to protect your business in the event of claims based on failure to deliver and negligence, especially if you are a consultant.<\/span><\/li>\n
    • Product liability insurance<\/strong> – to protect your home-based business’s manufacturing and sales from damages to property or persons caused by your products<\/span><\/li>\n
    • Commercial auto insurance –<\/strong> It provides coverage to your vehicle when using it for business purposes. Your personal auto insurance policy doesn’t cover loss or damage to your vehicle related to business use.<\/span><\/li>\n<\/ul>\n

      Get Commercial Insurance for Your Home-Based Business in Chandler, AZ<\/span><\/strong><\/h3>\n

      At San Marcos Insurance Group, we are motivated to protect your home-based business and promote its success by providing suitable and unbeatable commercial insurance policies. Contact us to request a quote. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

      Over the last couple of years, the number of people who run their businesses from home has ballooned. As a home-based business owner, the dilemma of whether you need commercial insurance for your business has been lingering in your mind. Do You Need Commercial Insurance if You Run a Home-Based Business?  Yes, you do since […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[5,6],"class_list":["post-281","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-chandler-az","tag-san-marcos-insurance-group"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t