Even if you just work (for yourself) from home, rather than running a full fledged home-based business, you need insurance to protect yourself. Why? “You need to separate your business from your home,” Ahart said. “If you make a mistake in your professional life, you don’t want people to be able to come after your home.” Your homeowners insurance will not cover problems that come up because of your home-based business. Neither will a personal umbrella liability policy, which also excludes business-related problems.
Written by Elisabeth Leamy, The Washington Post