Studies show that most home-based businesses do not have proper insurance and rarely understand why they even need business insurance. One of an insurance agent’s primary responsibilities is to identify clients’ exposures to loss and determine how to properly cover them.

This course presents a six-step approach that will help agents recognize home business exposures and understand how to handle them.

Upon completion of this course, students will be able to:

• identify various loss exposures associated with home-based businesses
• identify property and liability coverage limitations in homeowners policies
• identify homeowners policy endorsements that address specific business exposures in the home involving teleworkers, landlords, incidental occupancies (such as offices, schools, and studios), day care providers, and farming