What homeowners policies don\u2019t cover<\/p>\n
Many\u2014though not all\u2014homepreneurs need extra protection beyond their homeowners policies. That\u2019s because most homeowners policies lack these important coverages:<\/p>\n
Three ways to get the coverage you need<\/strong><\/p>\n If you need more coverage than your homeowners policy offers, you\u2019ll need to consider the size of your business, the kind of work you do, how many clients visit your home and how often you work off-premises.<\/p>\n The three most common coverage options include:<\/p>\n A BOP policy should be purchased in addition to a homeowners policy since a homeowners policy is still needed to cover the building, personal property and personal liability that\u2019s not covered by the BOP policy.<\/p>\n Depending on which policy you choose, you might also want to consider these extra coverages offered from ERIE\u2019s\u00a0affordable, full coverage protection\u00a0for businesses of all sizes.:<\/p>\n \n","protected":false},"excerpt":{"rendered":" What homeowners policies don\u2019t cover Many\u2014though not all\u2014homepreneurs need extra protection beyond their homeowners policies. That\u2019s because most homeowners policies lack these important coverages: Business personal property Most homeowners policies provide limited coverage of $500 to $1,000 for tools, machines or other equipment you use exclusively for your business. If your belongings are worth more, […]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":null,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1,17],"tags":[],"class_list":["post-6164","post","type-post","status-publish","format-standard","hentry","category-blog","category-business"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.salvadorinsurance.com\/es\/wp-json\/wp\/v2\/posts\/6164","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.salvadorinsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.salvadorinsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.salvadorinsurance.com\/es\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.salvadorinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=6164"}],"version-history":[{"count":0,"href":"https:\/\/www.salvadorinsurance.com\/es\/wp-json\/wp\/v2\/posts\/6164\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.salvadorinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=6164"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.salvadorinsurance.com\/es\/wp-json\/wp\/v2\/categories?post=6164"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.salvadorinsurance.com\/es\/wp-json\/wp\/v2\/tags?post=6164"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\n
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\nAn endorsement is often the best option for smaller operations with minimal business property and client visitations. For starters, it increases the level of protection for your business personal property. You can also purchase business liability insurance if a small number of visitors come to your home.<\/li>\n
\nThis option often works best for a mid-sized business with pricier equipment and a steadier stream of clients visiting a home. Most policies reimburse you for the loss of important papers and records, accounts receivable and off-site business property. Some even include business income and extra expenses and cover a small number of full-time employees.<\/li>\n
\nIf you have more than a handful of employees, a lot of costly tools or equipment, or a need for a high level of liability coverage, a BOP is probably your best bet. That\u2019s because it offers the broadest amounts of coverage for business property and equipment, loss of income, extra expenses and liability.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n
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