These days, having a home-based business makes good sense. It is cost-efficient not having to pay for a building to house your business. You may think that you don’t need commercial insurance for a home-based business, but that would be an incorrect decision. In Huntsville, AL, our team of experts at the Larry Burkman Agency provides the commercial endurance advice you require. <\/p>\n
Commercial property insurance is different from home property insurance. It is a combination of property and content insurance. Your home insurance will not give your business the protection it needs. While it might cover a few things, it will not protect your business’s inventory. You need to have property coverage that is specific to the nature of your business. <\/p>\n
Your home policy does provide liability coverage, but if you are conducting business from your home and have customers or clients visiting, you will not be covered if they have a slip and fall and decide to sue. You need to have commercial liability coverage to protect yourself. <\/p>\n
If your business owns a vehicle, it needs to be covered by commercial auto insurance. Even if you own a vehicle, if you use it for business purposes and have an accident, your personal auto policy likely won’t cover you. <\/p>\n
Your personal home insurance has nothing that is comparable to business interruption insurance. This insurance provides your business with the working cash it needs if there has been a covered peril. It helps you to be able to pay your bills, pay any employees you may have, and allow your business to survive being shut down. <\/p>\n
Contact the Larry Burkman Agency, serving the greater Huntsville, AL community, when you are in need of an independent insurance agent to help with your commercial insurance needs. <\/p>\n","protected":false},"excerpt":{"rendered":"
These days, having a home-based business makes good sense. It is cost-efficient not having to pay for a building to house your business. You may think that you don’t need commercial insurance for a home-based business, but that would be an incorrect decision. In Huntsville, AL, our team of experts at the Larry Burkman Agency provides the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[5,6],"class_list":["post-10","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","tag-huntsville-al","tag-larry-burkman-agency"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.affordableplusinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.affordableplusinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.affordableplusinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.affordableplusinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.affordableplusinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=10"}],"version-history":[{"count":1,"href":"https:\/\/www.affordableplusinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10\/revisions"}],"predecessor-version":[{"id":11,"href":"https:\/\/www.affordableplusinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10\/revisions\/11"}],"wp:attachment":[{"href":"https:\/\/www.affordableplusinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=10"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.affordableplusinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=10"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.affordableplusinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=10"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}