Test your knowledge of your homeowners insurance:

Are you covered?

While caring for a child for a fee, the child is injured in your home. The parents expect you to cover the hospital bills.

You replace your friend’s car brakes for a “few bucks” and the car is damaged or your friend is hurt in some way. He expects compensation.

A friend slips on an icy walk or trips on a toy while picking up the craft item she paid you to make. She expects you to cover medical bills.

You use your detached garage for a small woodworking business and the garage is damaged in a windstorm. You want your garage rebuilt.

You do word processing for a fee from your home. Your computer is stolen. You want it replaced.

You are a self-employed sales representative with an office in the home. While entertaining a client in your home, the client is injured and expects compensation.

In each situation described, the answer is probably “not covered” — unless you have added specific coverage to your policy for this home business. Take away the compensation, or business aspect, and each would probably be “covered”.

Situations like those described can be covered in one of three ways:

Your employer may cover it if your business is conducted on behalf of your employer.
A business insurance policy may be purchased to cover it.

Your home insurance policy can sometimes be broadened to cover it.

If you have any concerns about a business-type activity in your home, call us. We’ll be happy to discuss it with you.