Running a business from home has become increasingly popular. If you have the space in your home, you can save a lot of money on renting a business space. However, if you only have home insurance, you risk your business and yourself. At Maple Mountain Insurance Services in Mapleton, UT, we are an independent insurance agency that works with our customers to ensure they are protected.

Property Coverage

You may be under the impression that your home property insurance will cover your home business. Commercial property insurance covers both the physical building and all the things you use to do business. That would mean your personal property insurance as well. Many home insurance policies have limited coverage of home businesses, and if you have your tools, business equipment, display units, and inventory in your home, getting just a couple of thousand in coverage might leave you woefully underinsured.

Liability Coverage

If customers or clients visit you at your home, your home insurance will not protect you if they are injured. You need to have commercial liability coverage to safeguard your business.

Workers Compensation

Every employer in Utah is required to have workers’ compensation insurance. There are a few exceptions, but you can be pretty sure your business will need to cover your employees.

Business Interruption Insurance

When something happens to make it impossible to do business, as long as it is a covered hazard, this coverage will provide the money you need to pay your bills and employees, while your income flow is cut.

Contact our team of experienced agents at Maple Mountain Insurance Services in Mapleton, UT with all your commercial and home insurance needs.