May 18, 2020
The migration from office to home can impose limitations on properly insuring business property that you should be aware of. If your home office is furnished by your employer no further action is required. However, if you plan to make the conversion to a home office permanent and make a large investment in equipment, it is advisable to check your homeowners insurance.  Most policies include limitations for business property as also exclude liability for most business activities.  
Business property generally includes items such as furniture, supplies, equipment, inventory, books, records and electronic data processing property used to conduct your business.

A Business Owners policy may be appropriate depending upon your coverage needs and liability exposures. A Business Owners policy can be reasonably priced and would accomplish securing the appropriate coverage limits for business property inventory as well as a limit of liability specific to business exposures.

We are here to help. Please contact us via email or at 203-259-7580 with any questions.