What about a CPA or architect working at home? For an additional premium, you can attach one or more of the following endorsements as well as a few others to the policy watch for requirements and exclusions: Maybe your client leases a room over that big unattached garage to an artist for use as a studio.
Do any of your personal lines clients receive significant income from cutting grass, removing snow, fixing lawnmowers or other equipment? They are not covered by the auto policy. The only exceptions are: Raise animals for sale? Business data means books of accounts, drawings, or other computer and paper records, so a fire loss could be devastating.
And what about the supplies and paintings she has packed into a walk-in closet?
Besides the other property and liability coverage gaps, the policy does not cover business data for this client. Keep in mind that the Special Computer coverage changes the perils covered, but nothing else changes.
An unattached garage may be considered a business property if, for example, the owner who works for another company brings home files from the office and stores them in the garage. These exposures could be a concern to underwriters.
Cut or style hair in the home? What about those paintings in the back of a Land Cruiser en route to a show?
Think of additional ways to communicate on this subject. Sell mums raised in a backyard greenhouse?
Here are a few suggestions: If your clients are selling puppies, or if they fix up old boats and re-sell them at a sizeable profit, these activities may not be covered under the homeowners policy. Build a substantial amount of furniture or crafts for sale?
But many business pursuits are carried out in homes that do not look at all like business enterprises. Or if the person uses the garage to store wood that he sells.