Describe what happens at the property.
Working at a laptop, receiving customers, keeping inventory, and operating a workshop are different situations. Tell Todd what you do, who visits, and which business property is kept there. Include a side activity rather than assuming its size makes it irrelevant.
Ask about property and responsibility separately.
Do not assume a homeowners policy covers the business’s assets or liability. Ask what the home policy addresses and what might need a business policy or another arrangement. Availability depends on the activity and insurer; this guide does not promise a particular endorsement or program.
Prepare a concise activity list.
A short description lets Todd explain the next questions without sending confidential business or customer records through the initial form.
- Services or products and the space used for the work.
- Customers, employees, deliveries, and storage at the home.
- Tools, stock, and equipment belonging to the business.
- Vehicles used and work performed away from the address.
Questions before you start.
Is remote office work the same as running a customer-facing business?
The activities differ. Explain the facts and ask for a policy-specific answer rather than relying on the label “work from home.”
Useful resources.
Independent resources provide additional context; they do not imply a government endorsement of Luedtke Insurance.
General information only. Coverage, eligibility, limits, exclusions, and availability depend on the insurer and actual policy. This page does not bind, change, or cancel insurance. Confirm your specific needs with Todd and your insurer.