It depends on the type of policy and coverage you have. Generally, a standard home insurance policy does not cover losses related to business activities, so if you are using your home as an office or workspace it is important to speak with your insurance provider about purchasing additional coverage. Some policies may include limited coverage for damage or theft related to business equipment, so it's best to check with your provider before assuming any additional protection is necessary. Additionally, since many businesses have unique needs that may be better covered under a commercial policy, it's wise to explore these options if you plan to use your home as a workspace for an extended period of time.  No matter what kind of coverage you decide on, make sure that all areas of potential risk are fully understood and adequately addressed. This will help ensure that your business is properly protected against the unexpected.

In most cases, yes we will. Our agency is licensed in most states and have companies available to write with. Please be sure to contact us if this is your situation to see if we can help.

Your policy premiums are dependent on three primary variables: insurance carrier capacity, your exposures, and your loss experience. If there’s a shortfall of capital in the insurance marketplace, the cost of all insurance will be high. The more property you have to insure or the more exposures to loss you have, the higher your premiums. The higher your historic losses, the less likely insurers will want to take on your risk, thereby increasing your premiums.