Does Your Home-Based Business Need Commercial Insurance?

If you’re running a home-based business, you might not be thinking about insurance the same way an off-site business would, but it’s still possible you need more coverage than you have. At Bogden Insurance Agency, we’re happy to help home-based businesses in the Berlin, CT area get their questions answered and choose the right kind of coverage for their needs. Here’s what you need to know about whether a commercial policy is right for you.

Do Clients or Customers Come to Your Home?

Having people coming to your home to buy products, receive a service, or consult with you may put you at risk of litigation if one of them gets injured. That could be one of the biggest reasons for you to get a commercial policy. Then, you can feel confident, knowing that you’re protected by the right type of coverage for your situation. 

Is All Your Work Done Online?

Many home-based businesses are fully online, and that means you don’t have clients or customers coming to your home. In that case, you might not need a commercial policy, because you don’t have the potential injury risk. Still, it’s worth consulting with one of our trusted insurance agents to determine if you’re fully protected, or if you need additional coverage. For example, if you work with sensitive information, you may want coverage that can protect you from errors, omissions, and related concerns.

Work With an Agent Who Understands

Ready to find the right commercial insurance policy for your needs? Get in touch with us today at Bogden Insurance Agency if you’re in the Berlin, CT area, and let’s talk about the kind of coverage you need. Even if you don’t need a commercial policy, we can help ensure your homeowners coverage is protecting you at work and during your downtime.