Will my Green Valley, Arizona homeowners insurance cover my business if I work at home?

Today, it is quite common for people who live in Tucson, Sahuarita and the Green Valley area of Arizona, to operate a small business from the comfort of their own homes. Almost any type of business is susceptible to disputes and some of those disputes can lead to lawsuits.

Your homeowners insurance policy will probably not cover any items that are only used for your business. It may cover items like a desk, chair or computer that you use while conducting business, because that is considered part of the contents of your house.

If, for example, you have a business selling computers you build from scratch in your home, your homeowners insurance will not cover any claims made against you or your company if a dissatisfied customer decides to sue.

In order to be covered for certain liabilities you may incur, you will need to buy a separate general liability business policy. While it is improbable that someone is going to come to your home office to conduct business, it is actually more common than you might think.

Some individuals in Tucson operate a tax service or bookkeeping service and regularly welcome clients into their homes. Others may operate a landscaping business in Sahuarita and set appointments, bank and do all of the administrative tasks of their business out of a home office.

Nothing is ever completely black or completely white. Most situations fall into a gray area. If a man falls on an uneven pathway and breaks his arm while delivering a present from your Aunt Tilly, your homeowners insurance policy would cover any claim for liability. What would happen if the delivery man was bringing 10 boxes of inventory for your home business?

As your independent agent, we have the answers to all of the questions you may have about homeowners insurance and home businesses. Please contact us and an independent agent will be happy to help you get the right insurance coverage for your home-based business.