Protect Your Home-Based Business with Commercial Insurance

Commercial insurance provides businesses with a safety net against various risks and liabilities. Whether you’re conducting business internationally or simply from your home office, suitable commercial insurance is a must. Here’s how Champion Insurance Agency in South Carolina can tailor commercial insurance coverages to serve your home business needs.

Property Insurance

Property insurance covers business assets like computers, printers, and other office equipment. If you’re using home office equipment for business purposes, your standard homeowner’s insurance won’t cover these items, or the coverage won’t be adequate. Commercial property insurance fills this gap, offering the necessary business asset protection.

Liability Insurance

Liability insurance covers your business if a person gets injured or their property is damaged because of your business activities. Although operating from home may seem quite safe, there’s still a potential for liabilities, especially if clients or customers visit your home office.

Professional Liability Insurance

Also known as errors and omissions insurance, it is crucial for home-based businesses offering professional services like consulting, accounting, or design work. It provides cover for claims of negligence, mistakes, or service delivery failure.

Business Interruption Insurance

This covers income loss and assists in dealing with operating expenses if your home-based business cannot function due to a covered loss, such as damage to your home office by fire or a natural disaster. In such scenarios, this insurance can help you recover lost income.

When considering commercial insurance for your home office, understanding your specific business needs, assessing risks, and acknowledging the limitations of your existing homeowner’s policy is paramount. Connect with Champion Insurance Agency serving South Carolina to navigate policy options and ensure your home-based business is adequately protected.

Tailoring commercial policies to meet our South Carolina clients’ needs and budgets is exactly what our team at Champion Insurance Agency specializes in. Many people think of commercial insurance as something only big companies and corporations need, but in truth, we serve a significant amount of small businesses and entrepreneurs. We offer advantageous commercial insurance policies to those self-employed and contract workers who don’t have a brick-and-mortar business and may otherwise be starting out.

So if you’re asking if we serve commercial insurance for a pet-sitting business, the answer is absolutely! And if you’re not sure if you need commercial insurance, then we have the following important reasons why our team at Champion Insurance would recommend otherwise:

3 Reasons Why You Want Commercial Insurance for Your Pet-Sitting Business

1. Liability coverage. Liability coverage is a type of coverage that will give you financial and legal protection in the event someone puts a claim against you. As a pet-sitter, you will take on risks like having a pet who is in your care cause injury or damage to someone else. That injured party or the owner of the destroyed property can put a claim against you as well as the pet owner. 
2. Business interruption. Business interruption is an important type of safety net insurance that can be built into a commercial insurance policy. Here, you’ll be reimbursed if a natural disaster or covered peril forces you to temporarily close your business and cancel client sittings.
3. Legal and medical expenses for professional errors. Mistakes happen, but if a pet in your care is injured or something happens to their property, such as keys are lost, you will be held liable. Commercial insurance can serve as your shield.

Reach Out To Us

Get your South Carolina commercial insurance policy built today by giving our team at Champion Insurance Agency a call.