Current trends are that more and more people will be working at home. This will be increasing exponentially with the wide spread use of technology and the Internet. The traditional method of insuring business does not lend itself well to the Home Businesses, and Homeowners Policies are not designed to cover business operations at the home. Both the Business Policy and the Homeowners Policy try to solve the gaps in their policies by using cumbersome endorsements. The contracts that try to cover the Home Business with these endorsements offer special solutions with large premium for the coverage added. At best these contracts only offer general approaches to what is a complex insurance exposure. We have worked with a number of carriers to put together an insurance solution for your employees working in their home. Coverage can be customized to include business exposures for Laptops, Business Interruption, Sales Materials & Kits, Transit Exposures, Hired & Non-Owned Auto Liability, on premises as well as off premises exposures. These coverages can be written for Company Employees, Product Representatives, Independent Direct Sellers and Brokers who wish to protect their personal and business assets.
Clearly we offer the correct approach to solving these unique exposures with a custom contract that is comprehensive and affordable.
Give us a call at 800-237-0020 or e-mail us today.