Business in the Home

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Welcome to "Business in the Home" If this is your first time taking an online CE course powered by LunchTimeCE and/or you're unsure of how to navigate the course or take the exam, click the Help button above. Course introduction Course objective: To learn about insurance issues concerning home businesses. Though more than 50 million Americans operating a business from home, most Homeowner's Policies do not cover business-related losses and liability. In most standard policies, business equipment on the premises is only covered for up to $2500 and equipment away from the home is covered only up to $250. That's where the protection begins and ends. But what if... A client is injured in your home? Your laptop is stolen in the airport? Your home office is destroyed by a fire leaving you without records to collect accounts receivable? If you are insured exclusively by a typical Homeowner's Policy, you probably have no protection against these business losses and liabilities. In this course, you will learn about home businesses and insurance through the following topics: Who is insured The dwelling and other structures Business personal property Zoning and building ordinance considerations Liability issues Policies

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Not only are policy forms, clauses, rules and court decisions constantly changing, but forms vary from company to company and state to state. This material is intended as a general guideline and might not apply to a specific situation. The authors, LunchTimeCE, Inc., CEfreedom, and Insurance Skills Center, and any organization for whom this course is administered will have neither liability nor responsibility to any person or entity with respect to any loss or damage alleged to be caused directly or indirectly as a result of information contained in this course.