All home insurance policies place restrictions on coverage for ‘in-home’ businesses. This varies by insurer and the nature of your business. In many cases an “incidental” business exposure may be covered by a relatively inexpensive endorsement that extends both liability and property insurance coverages to the specific business activity in your home. More intensive business exposures generally require additional coverage in the form of a Business Owner’s Policy or Commercial Package. It is important to contact your personal insurance representative so that we can make a determination as to whether additional insurance coverage solutions are appropriate.