C.F. O'Connell & Sons, Inc.

High-tech communications and the Internet are making it possible for more people to become self-employed by offering services out of their basement or spare room.

A home-based business creates a unique need for business personal property and business liability insurance. Most standard homeowner’s policies do not extend adequate coverage for a home-based business located in a person’s home.

The main reason the homeowner’s policy does not cover liabilities for a home-based business is because the business is creating the accident or liability, not the home. Business owners should also think about the equipment needed to operate their business.

Copyright 2006 Erie Indemnity Company