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A Home-Based Business May Not Be Adequately Covered by an Existing Homeowners Policy
State Farm ConsumerFeature
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(60 seconds)
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READER SCRIPT
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MOST AMERICAN BUSINESSES ARE HOME-BASED. BUT, SETTING ONE UP IN YOUR OWN HOME DOESN'T MEAN THAT IT'LL BE ADEQUATELY PROTECTED BY YOUR EXISTING INSURANCE. ACCORDING TO "STATE FARM", WHILE YOUR HOMEOWNERS-POLICY MAY PROVIDE COVERAGE FOR SOME OF THE EQUIPMENT IN YOUR HOME-OFFICE, IT WON'T COVER YOU FOR LOST DATA OR LOST INCOME--OR IF ONE OF YOUR CUSTOMERS GETS HURT ON YOUR PROPERTY. THAT'S WHY YOU SHOULD DO SOME RESEARCH--TO HELP PROTECT BOTH YOURSELF AND YOUR BUSINESS. AND, YOU SHOULD REEVALUATE YOUR COVERAGE--AS YOUR BUSINESS GROWS, AND AS YOUR NEEDS CHANGE. WHAT KINDS OF COVERAGE-OPTIONS ARE AVAILABLE? THERE ARE TWO BASIC OPTIONS: AN ENDORSEMENT CAN BE ADDED TO AN EXISTING HOMEOWNERS-POLICY--TO INCREASE COVERAGE ON BUSINESS-EQUIPMENT. OR, A "BUSINESS-OWNER POLICY"--SEPARATE FROM THE HOMEOWNERS-POLICY--OFFERS BROADER COVERAGE--FOR SMALL AND MID-SIZE BUSINESSES, ALIKE. ADDITIONALLY, FOR HOME-BASED BUSINESSES, MANY DISCOUNTS ARE AVAILABLE FOR THE BUSINESS-POLICY. TO LEARN MORE, CONTACT YOUR LOCAL "STATE FARM"-AGENT--OR VISIT "STATE-FARM"-DOT-COM.
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