All businesses, from the small independent contractors and home-based business to large corporations and offices, need to
make sure their liabilities and assets are properly insured. Many of the coverages are the same or similar to those found in a homeowner
or auto insurance policy. Every business, however, is unique. There are a multitude of coverages available, for everything from employee
dishonesty to professional liability to equipment breakdown coverage or workers compensation. Most claims arising from a "business pursuit" are specifically
excluded from a homeowners or personal auto policy. The following are some common situations many people think they have coverage for,
but find out differently after a claim:
Stay at home mother who watches children in her home during the day for a profit
College student who delivers newspapers or pizza's at night using his or her personal automobile
Real estate agent who drives clients around in her personal automobile while showing properties
Accountant who has a home office where clients meet him for appointments
If you are unsure of what does or does not constitute a "business pursuit", are thinking of starting your own business, or would just like
to make sure your business is properly insured; contact one of our licensed professional agents today. You have enough to worry about
running the day to day operations of your business, doesn't it make sense to have an agent you can trust to make sure you are properly
insured? So whether you're a one-man contractor just starting your own business, or a growing long-standing corporation, give us a call.
That way you can sit back and let us take care of worrying about which coverages are right for your particular situation, while you focus on
growing your business.