liability insurance home business
Can I get liability insurance for 1 day?
I am a small new company and I wish I had a job at a local fair. Required liability insurance. Am I able to do it just for the day? Usually work from home without the need for any other time. Thanks is advance.
You may be able to obtain event coverage. The minimum premium is probably in the neighborhood of $ 500-750 for a day. Why not have a responsibility general civil or balance of payments for a small business? Depending on what you make of the premium may be the same minimum premium. Call your insurance agent that deals with the owners. If your business is based outside the home, many companies want to ensure both your home and business (no split between two companies – in the case of a complaint, no 2 companies would have to fight over who would pay if there is a question of whether the claim is business or home related or a combination of both). Always take corporate responsibility when you have a small business. If your company is sued, you have corporate responsibility in your homeowners policy and you can lose everything. Also, if your business is in a separate structure from your home, the separate structure is included in the homeowners policy (even if only store articles of business there or just use the business structure of a day per year) as if the structure is never burned, out of coverage.
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