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If you’re an entrepreneur with a home-based business, you may have considered getting business insurance. Well, hesitate no longer. The question is not whether or not to get insurance, but what type of insurance to get.

You definitely need insurance for your home-based business.

Just because you can run your business in your pajamas doesn’t mean it’s not a real business. So, it needs to be insured just like any brick and mortar establishment.

Your homeowner’s policy carries little or no coverage for a business and some insurance companies may even invalidate your policy if you file a business-related claim.

As a result you’ll have no coverage for:

Buildings used for business purposes
Loss or damage to business records or data
Loss of income that results from a business shutdown caused by physical loss to business property.


Why Do You Need Insurance for Your Home-Based Business?

Consider the following:

1) You run a consulting business from home, as an IT professional. If your home is robbed and all your expensive computer equipment is stolen, you may find that it’s not fully covered under your homeowners’ insurance because it is considered business property.

2) A business delivery person is leaving your home-based architect office and slips on some wet steps and sustains injuries. Your policy might not pay for these injuries because your insurance doesn’t cover business deliveries or any third-party injury claims.

3) If you run a landscaping business out of a building adjacent to your home and it catches fire and burns your equipment, you’re mistaken to think your homeowner’s policy covers such an incident.

4) As an accountant, you advise a client on a financial matter that ends up costing her money. As a result, she files a lawsuit. A homeowner’s policy won’t come close to touching that.

These are only a few reasons to purchase home-based business insurance.

Neither homeowners’ nor renters’ insurance policies cover home-based businesses.


The many types of business insurance include:

Business property insurance which covers any kind of equipment used to operate your business including your computer, printer, fax machine, furniture, etc.

Liability insurance that protects you and your business from being liable for damages caused to another person or property.

Product liability coverage to protect your business from damages to property or a person caused by a product you supplied, manufactured or designed.

Business automobile coverage which will provide coverage if you are in an accident while making pickups or deliveries, visiting clients or performing other business-related tasks. Your personal auto policy does not cover using your vehicle for business.


Here I have covered only a few types of insurance for your home-based business. There are many more for you to consider, depending on your particular business.

It is wise to work with an insurance professional who can furnish the details you need for the particular type of home-based business insurance that’s available for your business.

Based on the many potential business liabilities, you’re probably better off having at least a combination of a few policies, depending on your business needs. And that could be one less thing to keep you awake at night.


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Blog article marketing for your business is a cost-effective way to drive traffic to your website or blog. It’s also a way of acquiring potential customers, a way to get your website indexed on search engines, and a way to promote your site and to get backlinks.

Using blog article marketing for your business makes good sense. Since blogging doesn’t cost anything on most websites, you can choose a popular blogging platform and connect your blog with your other marketing campaigns. This lets you connect and have conversations with the people that visit your site and it’s a great way to engage customers.

Starting your own blog doesn’t have to be complicated. Here is an article that was written some time ago, but the information it contains is still current.

Once your blog is set up and you consistently write informative articles, your reputation within your niche will improve and this offers you a good way to improve your income.

A blog is an indispensable tool for your business.


Build Your Following

To build your following offer your readers important information that is helpful. Share useful and interesting content on a regular basis.

Use a warm, friendly casual style even when writing on technical subjects. You don’t want to be boring and drive away readers.


Get Found by Search Engines

To help your article get found by search engines, use your main keyword or keyword phrase in the title, header, sub-headings, and in the URL, which leads to more traffic and sales.

The first paragraphs of your article should be the best and very powerful. Include the best information here to grab the attention of both readers and search engines.

You want your audience to read the entire article so don’t give away too much at the beginning, just enough to grab their attention. Lead them down the page using your sub-headings under which you feed them even more interesting information.


Do Not Duplicate Content

For the best quality content, write your own articles. They should be original and fresh. Put forth your own spin and offer a unique outlook or suggestion to impress your readers. If search engines detect duplicate content you will be flagged and penalized, and your marketing becomes ineffective as search engines will not “pick up” your article.

Even though it’s true that the more people you have viewing your writing the better your chance of success, you don’t have to target large audiences with your article. You want the people that do read your articles to be those who are truly interested in what you have to say.

Never ignore your dedicated readers.

Blog article marketing for your business can be extremely lucrative. One of the most exciting parts about it is you’re building interest in you and your company and offers through unique and interesting articles.

Nothing is more important than drawing in readers and giving valuable information that will keep them coming back time and time again. The key to building long-term business relationships with your visitors and potential customers and clients is in providing them with valuable, quality information.



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