{"id":145,"date":"2026-10-31T12:00:00","date_gmt":"2026-10-31T18:00:00","guid":{"rendered":"https:\/\/www.bogdeninsurance.com\/blog\/?p=145"},"modified":"2026-10-26T05:45:37","modified_gmt":"2026-10-26T11:45:37","slug":"does-your-home-based-business-need-commercial-insurance","status":"publish","type":"post","link":"https:\/\/www.bogdeninsurance.com\/blog\/does-your-home-based-business-need-commercial-insurance\/","title":{"rendered":"Does Your Home-Based Business Need Commercial Insurance?"},"content":{"rendered":"<p>If you&#8217;re running a home-based business, you might not be thinking about insurance the same way an off-site business would, but it&#8217;s still possible you need more coverage than you have. At Bogden Insurance Agency, we&#8217;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&#8217;s what you need to know about whether a commercial policy is right for you.<\/p>\n<h2>Do Clients or Customers Come to Your Home?<\/h2>\n<p>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&#8217;re protected by the right type of coverage for your situation.&nbsp;<\/p>\n<h2>Is All Your Work Done Online?<\/h2>\n<p>Many home-based businesses are fully online, and that means you don&#8217;t have clients or customers coming to your home. In that case, you might not need a commercial policy, because you don&#8217;t have the potential injury risk. Still, it&#8217;s worth consulting with one of our trusted insurance agents to determine if you&#8217;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.<\/p>\n<h2>Work With an Agent Who Understands<\/h2>\n<p>Ready to find the right commercial insurance policy for your needs? Get in touch with us today at Bogden Insurance Agency if you&#8217;re in the Berlin, CT area, and let&#8217;s talk about the kind of coverage you need. Even if you don&#8217;t need a commercial policy, we can help ensure your homeowners coverage is protecting you at work and during your downtime.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re running a home-based business, you might not be thinking about insurance the same way an off-site business would, but it&#8217;s still possible you need more coverage than you have. At Bogden Insurance Agency, we&#8217;re happy to help home-based businesses in the Berlin, CT area get their questions answered and choose the right kind [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[14,9,29,23,12],"class_list":["post-145","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","tag-berlin","tag-bogden-insurance-agency","tag-commercial","tag-ct","tag-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"If you&#039;re running a home-based business, you might not be thinking about insurance the same way an off-site business would, but it&#039;s still possible you need more coverage than you have. 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