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Do I need commercial insurance for my home business

Starting a home business is a great way to stop working for someone else and start working for yourself. It allows a degree of flexibility that is not always possible any other way. Because you are doing business out of your home, you may think commercial insurance is not something you have to consider. That is a mistake. You need to protect your home business in many of the same ways you would protect any small business. At New American Insurance in Lexington, SC, we are independent agents who can offer our customers the most choices regarding insurance carriers. 

If you see customers in your home, you need to take a good look at business liability insurance. You may think that your home insurance liability will cover you, but it may not. You have an increased amount of risk having strangers in your home who may be injured and decide to sue you. 

If you use a vehicle for your business, commercial auto insurance is something to consider. While your business is located in your home, you want to keep your business finances and your personal finances as separate as possible. 

Business property insurance is vital to protect your business property. Your home insurance may have limited coverage, but running a home business can invalidate your home insurance. Depending on what type of business you are running, you may have inventory, business equipment, and raw materials in your home.  

When you are ready to discuss your commercial insurance needs, New American Insurance in Lexington, SC will be there to help you every step of the way. Other types of coverage may benefit your business beyond the ones discussed. Let us do the heavy work to find you a reliable policy to suit your needs. Please stop by or give us a call for a free quote. 

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