--- title: Work at Home? What you need to know about insurance --- # Work at Home? What you need to know about insurance * * * ## Work at Home? What you need to know about insurance It’s estimated that more than half of all U.S. small businesses operate out of someone’s home. Housing a business in your basement or using your garage as a warehouse can be a great way to launch a business or save money. But too few home-based businesses and [workers](/workers-comp-quote "Get a Free Georgia Workers Compensation Quote ") are properly insured. Whether you are the business owner or you’re working for someone else, a standard homeowner’s policy typically does not include coverage for business property such as office furniture, tools, computers, or inventory. In addition, your homeowner’s policy does not provide liability coverage for business operations. For example, if you’re running a home-based business or working at home and a customer comes to your home, trips on your front steps, and is seriously injured, your homeowner’s policy may not protect you. What happens if an employee hurts themselves while in your home? What if a fire in your home wipes out all of your business inventory or company-issued computers? Purchasing [business insurance](/business-insurance-quote/request-quote "Request a Free Business Insurance Evaluation - the Quote is Free") can protect you from financial disaster. Your needs may vary based on the type of work you do and if you have any inventory or equipment at home. And depending on your policy and your situation, you can add your business to your homeowner’s policy as added coverage. Or you may need to purchase a [separate policy](/business-insurance/commercial-property "Insurance for Business Property") for your business. Either way, we are happy to help discuss your options for this very important type of coverage Other Resources: [First Steps for Insuring your Home based Business](http://www.iii.org/articles/how-can-i-insure-my-home-based-business.html "First Steps for Insuring Your Home-based Business from the Insurance Institute") [Small Business Insurance Basics](http://www.iii.org/articles/small-business-insurance-basics.html "Small Business Insurance Basics from the Insurance Institute") [Business Car Insurance Information](/business-insurance/commercial-auto-insurance "Commercial Auto Insurance Information and Quote") ## Insurance Quotes Give us some info and we'll help you find the best coverage options. [Request a Quote](/quotes) ## Insurance Partners [Trusted Choice — Anthem — Assurant — Cigna — Humana — Openly — Prudential — RLI — Symetra — Auto Owners — Foremost Insurance — Hagerty — Kemper — Liberty Mutual — Progressive — Travelers](/insurance-companies) ## From Our Blog [Is an Electric Car Right for You?](/blog/2026/is-an-electric-car-right-for-you) [Six Tips to Minimize Risk of Extreme Weather on Your Business](/blog/2026/six-tips-to-minimize-risk-of-extreme-weather-on-your-business) [What to Consider Before Installing a Home EV Charger](/blog/2026/what-to-consider-before-installing-a-home-ev-charger) ## Share This - [Facebook](https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.cowartinsurance.com%2Fblog%2F2014%2Fwork-at-home-what-you-need-to-know-about-insurance.md) - [Twitter](https://twitter.com/share?url=https%3A%2F%2Fwww.cowartinsurance.com%2Fblog%2F2014%2Fwork-at-home-what-you-need-to-know-about-insurance.md&text=Work+at+Home%3F+What+you+need+to+know+about+insurance) - [LinkedIn](https://www.linkedin.com/shareArticle?url=https%3A%2F%2Fwww.cowartinsurance.com%2Fblog%2F2014%2Fwork-at-home-what-you-need-to-know-about-insurance.md&title=Work+at+Home%3F+What+you+need+to+know+about+insurance) - [Email](mailto:?subject=Work+at+Home%3F+What+you+need+to+know+about+insurance&body=Thought+you+might+be+interested...%0A%0AWork+at+Home%3F+What+you+need+to+know+about+insurance%0Ahttps%3A%2F%2Fwww.cowartinsurance.com%2Fblog%2F2014%2Fwork-at-home-what-you-need-to-know-about-insurance.md) ```json {"@context":"https://schema.org","@graph":[{"@type":"BlogPosting","@id":"https://www.cowartinsurance.com/blog/2014/work-at-home-what-you-need-to-know-about-insurance#blogposting","url":"https://www.cowartinsurance.com/blog/2014/work-at-home-what-you-need-to-know-about-insurance","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.cowartinsurance.com/blog/2014/work-at-home-what-you-need-to-know-about-insurance#webpage"},"headline":"Work at Home? 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