Homeowners insurance usually provides little or no coverage for business property and business liability. If you run a business from your Sunrise or Broward home, you may need a home business endorsement, a business owners policy, or professional liability, depending on what you do and whether clients visit.
Talk to an independent broker in Sunrise
Insurance Risk Advisors compares coverage from multiple A-rated carriers for Broward, Miami-Dade and Palm Beach County.
What does homeowners insurance leave out?
Many homeowners policies limit business equipment coverage to a small amount and exclude liability arising from business activities.
If a client trips at your home office or your inventory is stolen, your homeowners policy may not respond.
What are my options?
A home business endorsement can add limited coverage to a homeowners policy for some low-risk businesses.
For more equipment, inventory or client traffic, a business owners policy (BOP) combining property and liability is often a better fit.
Want to compare your options?
We shop several carriers so you can see real prices side by side.
Do I need professional liability?
If you give advice or professional services, such as consulting, bookkeeping or design, errors and omissions coverage protects you from claims about your work.
We review what you do and recommend the simplest coverage that fits.
Frequently Asked Questions
Does my homeowners policy cover my work laptop?
Possibly only up to a small business property limit. Check your policy or ask us.
Do I need insurance if no clients come to my home?
You may still need coverage for equipment, inventory and professional liability.
What is a business owners policy?
A BOP bundles property and general liability coverage for small businesses.
Get your free quote today
Request a quote online or call our Sunrise office. Insurance Risk Advisors has served South Florida for more than 35 years.
