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Get Real The Necessary First Step Before Starting A Home Business
I have helped a large number of people start up their own home based businesses using the Internet. Over time, I have come to recognize two of the most important factors for identifying people that should NOT start a home based business. If a...
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Getting Started In Home Business?
If you're like most people, it's hard to make ends meet with just one income. If you are married, both partners must work, spending countless thousands of dollars on childcare and business clothes. To offset their monetary deficit, many people are...
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Is Your Home-based Business Properly Insured?


Do you work from home full-time or part-time? Chances are your homeowner's insurance doesn't cover your home business, or at least not to the extent you need it to. For one thing, insuring just the physical assets of your business (computer, home-office furniture, fax machine, etc.) doesn't encompass every aspect of your business.

To figure out how much and what kind of coverage you need, consider possible accidents; hopefully, nothing untoward will befall your business or your home, but you should plan for any eventuality so you will not suffer financially if something comes to pass. If a fire were to destroy your home and office, consider where you would work until your home was rebuilt. You would probably need to rent a temporary office space somewhere. Does your current insurance policy cover this?

Do you retain any sort of client information, either on your computer or in files? If your computer was ravaged by a virus, or your files damaged in a fire, and you didn't have copies of all that information, your clients might hold you liable for the loss. If you have clients visit you in your home office, your homeowner's insurance might not cover their medical expenses should they trip and fall down your stairs or some such.

Do you have any employees? Even part-time employees may affect the kind of home business insurance you need. As you can see, there are number of factors you need to take into consideration when insuring your home business.

Talking to your current homeowner's insurance agent can probably get you started in the right direction. You might not even need separate home business insurance. Depending on your business, you may be able to receive coverage for it simply by enhancing your current homeowner's insurance policy.

Tip: If you bundle your policies (i.e. car, homeowners, business), you may qualify for a discount. As more and more people pursue home-based businesses, insurance companies are starting to offer more comprehensive coverage at better rates. Make sure to talk to a number of insurance agents to find out who has the best rates, most options, and best coverage.

TC Thorn writes content for numerous web sites, including a number she owns such as http://www.homesecurityinformation.com where you can find more information on homeowner's insurance and home security.

More Reading:

The Right Way to Start a Home Based Business

Starting A MLM Home Business Affiliate Program

Part 3 of 5 On The Home Business Set Up Guide

How To Start Your Own Home Business

Earn Income By Starting Your Own Home Based Business

Young Mans Love of Mail Order Turns into a VERY Profitable Home Business

Maximize Your Home Based Business Website Sales

How do I start the perfect work at home business to get back the good results of Earning Money

Home Business Leads Can Turn Into

Tax Advantages In A Home Business

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Additional Reading

Market Your Dream Online: Internet Advertising Advice From My Home-Based Business Advisor
You need to be advertising and marketing your home-based business, but what does it all mean? You need customers. You need sales! But where do you start? FFA Pages Banners Traffic Exchange Programs Reciprocal Linking These are just...
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Make Or Break Home Business Tips (And Home Based Residual Incomes That Work)
As our divine world drives furiously into this new ?Information Age? a new type of millionaire is fast emerging from the incredible changes that have been driven by the internet ? the ?Work From Home Millionaire?. This article probes into the...
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Fallacies Regarding Online Home Based Businesses
In the course of my home business coaching activities, I have often found that people head into the startup of their online home based businesses with a wildly unrealistic mindset. Many have been told that they can sign up for a few programs,...
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