business insurancehome-based business
Insurance considerations for home-based businesses
By Simple Lane Editorial Team · · 5 min read
A home office blurs personal and commercial risk. Here’s the insurance program most home-based San Diego businesses actually need.
Working from home is convenient but it blurs the line between personal and commercial risk. Your homeowners policy almost certainly excludes business activity.
Coverages a home-based business typically needs
- Business property Electronics, equipment, inventory often excluded by homeowners.
- General liability For clients visiting your home office or digital claims like copyright.
- Business interruption Income replacement if a covered event stops operations.
- BOP Bundles property + GL + BI for small businesses.
- Commercial auto (if applicable) Required if you use your car for business.
- E&O and cyber Critical for service and data-handling businesses.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.