Owning a home-based business has become more popular than ever. It allows more flexibility, and you don’t have to own or rent a location for your business. It does require unique commercial insurance, however, to make sure that your home and your business are both protected. At The Mitchell Agency LLC in Alabama, we are here to help with any questions and commercial insurance needs you have.
Why Commercial Insurance?
Property coverage
Your home itself will be covered by your home insurance. That remains the same. What is different is your content insurance. Your home content insurance covers your personal property, but it won’t cover most of your business property. To make sure that all the property related to your business is covered, you need to have commercial property insurance. It will cover all the things that you use to do business including inventory, raw materials, tools, machines, office equipment, and more.
Liability coverage
Your home liability coverage protects you from friends and relatives that visit your home and may get injured, but it will not cover anyone who visits your business in your home. For that, you need to have commercial liability insurance. This will help your business if someone gets injured by a product or service you provide or while doing business with you at your home.
Commercial auto insurance
If you use a vehicle for your business, it is important that you have commercial auto insurance. Your personal auto insurance does not cover the business use of your vehicle. If you have an accident, you will be left to pay any damages if you don’t have the right auto insurance.
Reach Out To Us
Contact The Mitchell Agency LLC in Alabama to discuss the insurance needs of your home-based business. We are an independent insurance agency, and we work for you, our customers.
