D??? Y??r Los Angeles Home Insurance Policy Cover Y??r Home-Based Business???
Article b? Carlos Ferrari
According t? th? National Bureau ?f Labor statistics, more th?n 30 percent ?f homeowners operate a business out ?f th??r home ?n Los Angeles County. If ??? ?r? self-employed ?nd r?n a home-based business ?t ?? ?m??rt?nt t? invest ?n home-based business insurance Los Angeles. Studies ?h?w th?t more th?n 50 percent ?f home-based business owners ?r? underinsured b?????? th?? assume th??r home insurance policy w?ll pay f?r ?n? losses relating t? th??r business. If ??? d? n?t h??? a special business insurance policy ?nd ?r? relying ?n ???r home insurance policy t? pay ?n th? event ?f a loss, d? ???r research t? see ?f ??? ?r? truly protected.
H?w D??? Y??r Home Insurance Pay f?r Business Related Losses
Th? typical home insurance policy w?ll provide a limited amount ?f coverage f?r d?m?g?? t? business equipment ?nd property. M??t insurance policies ?n Los Angeles limit business-related d?m?g?? t? 00 ?n ???r home ?nd 0 ?ff premises. Homeowners insurance personal liability coverage d??? n?t extend t? business-related lawsuits. Th?? means th?t ?f a customer comes ?n ???r premises ?r a delivery person slips ?nd falls claiming ??? w?r? negligent, ???r home insurance w?ll n?t pay f?r compensation.
H?w C?n Y?? Protect Y??r Business
S?m? home insurance providers d? h??? endorsements th?t ??n b? added t? a standard home insurance policy t? provide higher limits ?f coverage. Home business insurance Los Angeles endorsements w?ll cost between ?nd per year ?nd w?ll provide ??? w?th double th? coverage f?r business equipment. Instead ?f paying 00, ???r insurance provider w?ll pay up t? 00 ?n coverage. Y?? m?? ?l?? b? ?bl? t? add ?n endorsement f?r business liability coverage ?f ??? d? n?t generate more th?n a specific amount ?n annual receipts ?nd profits.
If ??? work full-time ?n ???r home-based business ?nd ??? h??? inventory ?nd expensive equipment ?n ???r home, ??? w?ll need t? invest ?n a business owners package policy. A business owners package policy w?ll provide business property, liability, loss ?f ???, equipment breakdown, ?nd more. Th? business owners package ?? th? best solution f?r small ?nd medium-sized business owners wh? want comprehensive coverage ?n one packaged deal. BOP policies ??n b? tailored t? meet ???r needs based ?n ???r income ?nd h?w much equipment ??? h???.
If ??? d? n?t h??? business insurance ?nd ??? h??? more th?n 00 ?n business property ??? need t? invest ?n business insurance Los Angeles. Smaller business owners m?? b? ?bl? t? add endorsements t? cover th??r assets. L?rg?r businesses th?t generate a higher level ?f profits w?ll need t? b? covered ?n a broader scale. Sit down w?th ???r insurance agent ?nd discuss business insurance options t? protect ???r livelihood.
Ab??t th? Author
Visit Business Insurance Los Angeles f?r more information ?r visit ??r blog ?t http://51weeks.com/business-insurance-los-angeles-home-businesses-need-?t/.
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