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Do you work from home? If so, you might be considering whether or not you should purchase small business insurance. Phillip Kent Beck Agency specializes in providing their High Point, NC, clients with quality insurance products. Below, they discuss whether you should obtain coverage when your house is also your office. 

Small Business Insurance Provides Additional Coverage

small business insuranceWhile you might not realize it, your homeowners or renters insurance won’t cover you for losses suffered to business property during a break-in or catastrophic event. Whether you work for another company or own one, small business insurance provides the additional coverage you need when work items are damaged. Laptops, furniture, and other materials can be expensive to replace, so it’s vital to ensure you’ll be taken care of so you can get back to work quickly without having to pay out of pocket to replace everything.

Your Home Office Can Be a Liability, Too

While your homeowners policy covers you if a visitor is injured on your property, it will not cover guests who are there for business purposes. Whether you’re in massage therapy or IT, if someone is injured on your property, you can be held liable. Small business insurance provides the coverage you need to safely work from your home office. 

If you are considering setting up shop in your home, be aware you might need small business insurance to be appropriately covered. Speak with your trusted insurance agent to be sure you have the best coverage for your needs. The team at Phillip Kent Beck Agency will assist you with any questions you might have. They’ll also ensure you find affordable policies that meet all your needs without breaking the bank. Call them today at (336) 434-2111, or visit their website for more information. 

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