A variety of businesses are routinely operated in homes.This article discusses aspects of particular operations. Refer to Home Businesses – Basics for background information on coverage as well as our other articles discussing different in-home businesses.Wholesale – As a wholesaler, here are some coverage options for your consideration: Businessowners Policy – If you are a manufacturer’s representative with limited inventory, some insurance companies will cover your business with a BOP.

A BOP provides broad coverage for buildings, personal property, loss of business income, extra expense incurred to remain in business (after a fire or other covered cause of loss), premises liability and medical payments.If you have more than $1,000 of goods off-premises in transit, you will need to add additional coverage.Coverage for goods stored at other locations must be added to the policy.

Commercial Package Policy – If you cannot qualify for a BOP, your agent will probably have to build a special commercial package policy to meet your needs. You will need a competent commercial lines agent to help you.Commercial lines agents have both the expertise to design the appropriate coverage and the markets for your wholesale business.Workers Compensation – You will need workers compensation coverage for any employee – even part-timers.

Commercial Auto Policy – You may need commercial automobile insurance if you deliver anything or if your vehicle is larger than a car, van or small pickup, or if the vehicle is owned by a corporation.COPYRIGHT: Insurance Publishing Plus, Inc.2016 All rights reserved.

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