• Post last modified:October 5, 2020
  • Post category:Insurance

For the most part, your standard homeowners policy will not cover you fully if you run your own business from your home.  Typically, CT Homeowners Insurance will only cover liabilities associated with normal living activities, not common business occurrences.  

Now begs the question- what specifically do you need for full coverage of both your home and your business? you need to invest in a specific type of business policy designed for companies that are run from the home, as well as a very solid ct workers comp policy as well. Since your home is not only your home anymore, both your office, conference room, and network center, you need to make sure that all of your bases are covered if something were to happen during business hours.

 In case you need a further explanation of what we mean, take for example asking your assistant to make a copy.  She trips and falls on the steps going down to your living room, where the copier is, and breaks her leg. If you do not have the specific home/business insurance policy like we are talking about, then you’ll be liable to pay for your assistant’s medical bills, as well as for any time off he or she may need to recover.  

Hopefully this blog has helped you realize the great importance of having the right type of insurance for your home business. You don’t want to pay out of pocket for injured employees. A smart business owner is the perfect combination of risky and safe.  When it comes to CT insurance though, there’s nothing smarter than getting the best coverage possible.