Why your home business needs commercial insurance

Home businesses have become increasingly popular for many reasons, and it has raised some very valid concerns about whether or not a home business needs to have commercial insurance. At Maanen Insurance Group in Greeley, CO, we are always available to discuss any insurance concerns you have. Our team of independent insurance agents can help you make the best decision for your business. 

Commercial property insurance

While you own the physical building and have home insurance, you still need to consider commercial property insurance to cover the things you use to conduct business. Home insurance will cover the walls, but your business will not get the coverage it requires. If you want to get into operation quickly, having commercial property insurance is vital.

Commercial liability insurance

Home insurance has liability coverage that protects you from injuries to guests in your home. That coverage does not extend to people who visit to do business. Insurance won’t cover their injuries if you provide services or goods at home and clients or customers visit your home. You need to have commercial liability insurance to protect yourself. 

Commercial auto insurance

If you have a personal auto that you are using for business, whether it is visiting customers or clients or delivering goods, you may be shocked to find out that your traditional auto policy does not cover business use. You need a commercial policy to get the coverage you need to protect yourself and your vehicle. 

Contact Maanen Insurance Group in Greeley, CO, when you are in the market for commercial insurance or have concerns about your coverage. Give our office a call to get the assistance you require.