Options when insuring your home business
以家庭为基础的企业可能需要小型商业pp王者电子官网，因为房主可能不包括业务需求.
What are some ways to insure your home business?
Around half of America's businesses are homebased according to Fundera. 但在家里设立总部并不意味着你的房主pp王者电子官网将充分保护你的业务, 因此，考虑购买家庭商业pp王者电子官网是一个好主意.
一份典型的业主pp王者电子官网只提供有限的商业pp王者电子官网，可能包括电子数据处理设备，但它可能提供责任保护，或者为你丢失的数据或收入提供pp王者电子官网.
Do your research to protect yourself and your home business. When you are starting your own business, you may benefit from creating a business plan which usually includes topics like insurance and retirement needs. 这里有三个选择，以确保您的家庭为基础的业务考虑.
A homeowners policy with increased business property limits
Your homeowners policy 可能包括高达1500美元的个人财产，如桌子或作为样品的商品.g., Mary Kay Cosmetics. 这种覆盖保护商业财产，而它是使用或存储在您的家中. 该政策还可能为您的商业财产提供高达750美元的pp王者电子官网，而它远离您的家. 如果你的家庭企业是小的，这可能是足够的覆盖. 如果没有，可以选择在房主政策背书的情况下增加这些pp王者电子官网金额.
如果您符合以下条件，您可以考虑在现有的pp王者电子官网中添加房主政策背书:
- 计划将价值少于4999美元的商业财产保存在你的家庭办公地点.
- Don't invite customers to your homebased business location.
- 只有价值750美元的个人财产用于你家以外的商业用途.
An in-home business policy
家庭商业pp王者电子官网为商业设备和责任提供比房主pp王者电子官网背书更全面的pp王者电子官网. These endorsements, which may also be called in-home business endorsements, vary significantly depending on the insurer.
A business owner policy
虽然你的房主pp王者电子官网政策可能会对发生在你家里的某些事件提供责任保护, it does not extend to homebased, business-related activities. For example, 如果一个顾客到你家来交换商品或服务的付款，并且受伤了, there may not be coverage under your homeowners policy. Coverage gaps can easily be fixed with a business owners insurance policy.
You might consider a business owner insurance policy if you:
- Provide services directly to customers while in your home, such as tax preparation or hair services, which may require additional specialized liability coverage.
- 计划将价值5000美元或更多的商业财产保存在你的家庭办公地点.
- 依靠你生意的收入来支撑你的家庭.
Considerations for home business owners
成为一个精明的家庭企业主不仅仅是拥有权利 insurance for your business. Other factors to consider include:
- Additional insurance: 随着业务的增长和需求的变化，重新评估你的覆盖范围.
- Zoning laws: 访问当地的规划办公室，查看可能影响您业务的限制.
- Licenses and permits: 找出你需要哪些执照和许可才能合法经营你的生意.
- Taxes: 与税务专业人士谈谈家庭企业的税法. 还要研究省钱的扣除额，比如家庭办公扣除额.
- Vehicles: If you're using your vehicle for homebased business-related activities, 问问你的代理人，让它在你的汽车政策上被评为商业车辆，以确保它得到适当的覆盖.
Not sure if you're fully protected? Meet with your State Farm® agent to discuss the insurance needs of your homebased business.
