Lots of wildlife control operators (WCO) start their businesses out of their house. Home-based
businesses has a long tradition in the U.S. But a recent article in Kiplinger’s Personal Finance raised the question whether your homeowner’s insurance will cover WCOs operating a business out of their house. I have heard of getting business insurance to cover your vehicle or truck. But I didn’t think of getting insurance for covering activities at your house.
Curious, I went online and found a page at http://www.allstate.com/tools-and-resources/business-insurance/home-based-business.aspx. Sure enough, homeowner’s insurance doesn’t cover many business activities at your home. For example, receive shipments at your home? If the delivery guy slips and hurts himself, then your homeowner’s insurance may not cover the injuries. If you have a fire, your business equipment may not be covered by your fire insurance.
What should you do? Read your homeowner’s policy and look for gaps. Then consult with your insurance agent and inquire about additional coverage that will fill the gaps. You may be surprised that it is cheaper than you might expect.
About the Author
Stephen M. Vantassel is a Certified Wildlife Control Professional (CWCP). He is available for writing, research, consultation, expert testimony, wildlife damage identification, training, and education. Articles may be reprinted provided they include my byline and URL of my blog. Photos may not be reprinted without express written permission.