When you own and operate a business, it’s crucial that you have the proper insurance coverage. Whether your business is located in the main strip, a strip mall or your own home —it’s important to protect it. Business or commercial coverage plans are designed to protect businesses from potential losses and keep them running smoothly. Without business insurance, a theft or natural disaster could cause devastating loss. Additionally, business insurance can provide business property and liability coverage.
Are you a freelancer? Do you sell on eBay? Are you a Tupperware or Avon consultant? Just because you operate your business in your home does not mean you’re covered. An unendorsed homeowner policy or standard auto policy will not protect your home business or vehicle used for your business. You need a business policy, plain and simple.
Are you an Uber or Lyft driver? Do you sell LuLaRo, Pampered Chef, Stella and Dot or have another independent consultancy gig for which you transport goods or merchandise? Are you a contractor who transports your own tools? Typical property policies do not always adequately cover these needs. Bottom line—when using vehicles for your business, they should be insured on a commercial auto policy.
An unendorsed homeowner policy or standard auto policy will not protect your home business or vehicle used for your business. You need a business policy, plain and simple. via @VFBinsurance Click to Tweet
Do you rent a room out on Airbnb? What happens if you accidentally break a guest’s expensive drone? What if a guest claims libel or slander while staying in your home? If a business is based out of your home, a personal homeowner policy will not cover business liability claims.
For businesses that include storing products in your home that consumers come onto your property to pick up or purchase them, a separate business policy is needed.
As a business owner, you work hard to bring your dreams to life. Virginia Farm Bureau writes business policies for most commercial and personal services, offices, retail operations, specialty contractors, churches and more. Let us help protect what you’ve worked hard to build.
Whether your business is little or big, in-home or not—it’s a good idea to speak with your local Virginia Farm Bureau agent about making sure you’ve got the right coverage when your business needs it most. Since each situation is unique, whether or not you need a BOP, (Business Owner Policy) commercial liability, commercial property or commercial auto policy is a decision worth considering.
Contact a Virginia Farm Bureau Insurance agent to discuss protecting your business today, find a local agent or learn about our business coverage.
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