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Home Business Insurance
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Automobile Insurance
Of course, you'll need automobile liability insurance for cars or trucks that you use only for business, but if you do business in your personal vehicle, make sure that your car insurance covers injuries that occur while you're on business errands. You may have to switch companies to find insurance that will cover business-related driving.
If you have employees who use their own cars for work errands or deliveries, you'll want to consider getting special insurance (called employers' non-owned automobile liability insurance).
Policies for Both Home and Business
Several insurance companies have developed special policies that cover both your home and a business run from your home. Typically, these policies cover your computer equipment and other business property -- whether used in your house or elsewhere -- and protect you from business liability lawsuits and loss of income.
These home/business policies can be less expensive than either adding riders to your home insurance or buying separate policies for home and business, but check the coverage carefully, as these policies tend to primarily address home offices and may not adequately insure you if, for example, you're a small manufacturer or a wholesaler who stores inventory in your home.
For more information on business insurance in general, see Small Business Insurance.
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