Types of Home Based Businesses we serve
Common questions about Home Based Businesses
Answering the most frequently asked questions about Home Based Businesses.
Often not. Personal auto forms can deny claims arising from business use, and the exclusion is usually discovered at claim time. Hired and non-owned auto coverage addresses the gap at modest cost.
Not under most property forms, which stop at your premises. Inland marine covers laptops, cameras and tools while in transit and at client locations, which is where they’re most often lost or damaged.
Product liability, because you sit in the chain of distribution even for goods you didn’t manufacture. Marketplaces like Amazon also require commercial general liability once your sales pass a set threshold.
Frequently yes, because clients require it contractually even when there’s no premises risk. Marketplaces, corporate clients and event organizers routinely ask for a certificate before they’ll sign or pay.
Almost never. Homeowners forms exclude business activity and sharply limit business property, often to a token amount. A client injured at your home office or a laptop used for work can both fall outside it entirely.
Bundling policies, increasing deductibles, and implementing risk management practices can help lower your insurance costs.
It depends on the state and whether you have employees. Even if not required, it’s beneficial for covering work-related injuries.
Yes, personal auto insurance does not cover business use. Commercial auto insurance is needed for business-related vehicle use.
Homeowner’s insurance typically does not cover business-related risks, which is why separate business insurance is necessary.
Yes, even home-based businesses face risks that require insurance protection, such as client injuries or property damage.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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