Insurance for home office

Insuring your home office, including the contents and personal activities, requires combining the existing coverage for your home with the additional coverages you'll need to insure the business activity, which my be exclused in your basic policy. For example:

- Homeowner's policy. This policy might already cover some technology, like your computer. But it might not cover it for business use, and your limits might be too low.

- Personal liability. If someone slipped and fell on your property during a business visit, would your homeowner's policy cover that accident? Maybe, maybe not.

- Data recovery. Most policies won't insure loss of data. Back-up your computer data regularly.

Review your existing policy and contact your insurance agent or company to learn more.