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Insuring Your Home-Based Business |
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Most people feel that business related mishaps always happen to someone else. However, nothing is further from the truth, as many businesses realize the hard way. If you have a home-based business, it is even more critical that you have an insurance cover for your business. A business is a financial risk in itself, and your venture is no different. Online businesses too, have the same risks as any other home-based business. To protect you from financially crippling personal and business losses, you need an Internet liability insurance cover for your Internet business.
If you have a small Internet business, a homeowner’s insurance policy covers you. The policy mostly covers your PC or laptop and similar equipment. However, your business needs greater coverage, and you should consider situations where clients sue you or may have to pay damages for circumstances beyond your control.
In the course of business, you could have some of your client’s highly confidential data on your computer, and if viruses infect your files causing you data loss, your clients may sue. You have to consider coverage for such matters. Your cover should be able to give you the amount spent on defending the suit; you have to bear fewer losses. It is a better to have a cover but not requiring it, than requiring an insurance cover yet not having one.
Various insurance options are available, and you can choose the cover you need, situations covered, deductibles that you preferably want and so on. There may be situations like when you lose your PC or someone steals it. You should ensure that a homeowner’s policy covers you.
Ensure that you inform your insurance agent about your home-based business and check for a policy that covers you. There may even be an accident related to business deliveries. Be careful about your policy and ensure that it covers such mishaps also. You should take a policy that covers most business-related contingencies.
Keep in mind your business equipment and furnishings. There may theft, fire or similar disasters that may require that you to replace those equipments. Be prepared for such replacement and have coverage for those as well. Also, consider the special software that you may be using for your business. Check out with your agent whether all these issues are covered. When it is time to replace them, you may find it tough. Therefore, it is better to have such valuable property insured. Also, make sure that that your cover is for the full amount of replacement and not just depreciated value. Remember to have an insurance cover for business associates, employees, customers etc.
You can have separate policies that cover your home business. Sometimes rather than adding riders to home owners’ policy it is cheaper to have separate policies for your home based business. You have to be alert and study all policies carefully so that the policy fully covers your home-based business.
Remember, an insurance cover is necessary for businesses, big or small. Be wise and get your business covered.
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