Home insurance is not business insurance
Many personal home policies exclude business property and business liability. If you generate meaningful revenue, store inventory, or meet clients at your home, you may be exposed.
When you likely need commercial coverage
• Clients or delivery people regularly visit your home for business purposes • You store tools, inventory, or equipment used to generate income • You provide professional services that create advice or performance exposure • You have employees or contractors working from your home location
What a home based business policy can cover
• Business liability for third party injury or property damage claims • Business equipment and inventory beyond what a home policy allows • Business interruption options for covered losses that halt operations • Optional extensions based on your industry and revenue profile
Talk to Boardwalk
If you are unsure whether your home policy is enough, we can review your activities and confirm the safest approach without overbuying coverage.