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Most individuals use their homeowner or residential insurance policy to handle their hobby activities as a collector or enthusiast. A homeowner (HO) policy usually includes a definition of “business” and some are so broad that nearly any activity qualifies as a business. In such instances, a hobbyist or enthusiast should consider whether separate business insurance is necessary.
Topics: Business Owners Insurance, Business Personal Property, Business Insurance, Home Insurance, Homeowners Insurance
Garage operations have hybrid coverage needs: there’s a blur and overlap between the general liability for the operations and the automobile liability exposures. A general liability policy does not provide enough coverage and a commercial auto policy provides too much. Fortunately there is a way to properly handle this need.
Topics: Business Liability Insurance, Business Owners Insurance, Business Personal Property, Building Ordinance or Law Coverage, Business Insurance, Building Insurance, Auto Insurance, auto service insurance, Auto Repair, Auto Shop
Whether you own a restaurant, retail store, auto repair shop or law firm, there are basic business insurance coverages that apply to all businesses. Most businesses need to consider at least the following types of insurance.
Topics: Business Personal Property, Business Insurance, EPLI, General Liability
