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heart_and_troll | I have received some advice regarding liability insurance and a home office from which I run my business.? |
I understand that business liability and equipment is not covers by my usual homeowners policy, however, I have been told that for about $25 per year, I can have these exclusions waived. Of course, if I just call up my captive insurance agent and ask, then they know what's going on - any input, experience with this? Seems that $25 a year is really low and I suspect it's more like $400-1000 more or something like that, this being California.
Additional Details
If it's a common situation, some folks out there must know if it's more like $25 or more like $1000 to add this to an existing policy - that personal experience or knowledge from a customer or from an agent is what I am looking for, thank you. |
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Sue
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What they are talking about is INCIDENTAL business liability which is ONLY if the home office is incidental to your business (say you bring work home from your office to do there, you have a computer, desk, phone, etc). The home office cannot be your primary source of income. Another situation is you are retired but still "dabble" in your old business for a little extra money per year, but your retirement account & SS are your primary sources of income. This incidental business endorsement on the homeowners policy only covers ON premises liability & it is very limited. This would be if the UPS guy is delivering a package for your business and you forgot to shovel your walk & he slips & falls & gets injured. There is NO professional liability, NO products liability or advertising liability, there is NO off premises liability. The business contents limits, ON premises would be up to your personal contents limit on the policy. The OFF premises business contents limit is only $250 and cannot be increased. So, if you take a laptop off premises, you wouldn't have enough coverage.
Of course this is the standard ISO incidental business endorsement. Your state may have state specific endorsements.
Most likely, your best bet is to get a regular business owners policy, that way you can purchase the different coverages you need and you will also have broader coverages. Speak to an agent that specializes in business insurance. Your current agent MAY have a commercial department. |
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Wendy S
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There's a difference between adding business property coverage for someone who has a home office but a primary office elsewhere and having coverage for a business run completely out of the home with no other primary place of doing business.
Adding business property coverage is pretty inexpensive - $25 - 100 per year, most likely.
If you need a separate business in the home policy, which also includes business liability coverage, that can be several hundred to over a thousand dollars or more, depending on the coverages, the company and the rates where you live.
If you want to know the rate without "tipping off" your agent you can simply say that you'd like to know what policies are available if you decide to insure a home-run business. You don't have to divulge in that initial phone call that you already have one, but try not to lie.
Good luck.
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src50
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Asking here won't get reliable answers. Call your insurer and ask them. It's a common situation. |
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C
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This does not seem right to me!
The liability portion of your homeowners insurance policy will not cover anything having to do with your business, as that is a commercial exposure.
Ive never heard that there are endorsements that you can add for $25 a year.
Im very familiar with commercial liability insurance rates, and usually, depending ofcourse on the type of business, the rates can be anywhere between $400-$2000.
Call your agent and get advice. |
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mbrcatz
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Who told you for $25 you can "waive" the business exclusions on a homeowners policy? If they are an insurance agent, they should have their license revoked. If they aren't, they shouldn't give advice about something they know nothing about.
It's not true, flat out. You CANNOT get any kind of business liability added to your homeowners policy, with extremely few exceptions. One company I know, USED to give an incidental business liability endorsement, for your kid's business, limited to $600 in income per year.
But, for an extra premium, you CAN add coverage to your homeowners policy, for business property on the premises. It is NOT the same as contents coverage, which covers your stuff ANYWHERE. It only covers your BUSINESS property, while it's at your house. And it costs a heck of a lot more than $25. You can usually add coverage up to $5,000 or $10,000. It does NOT cover inventory. |
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