# Do I need insurance for a home-based business? *Reviewed 2026-05-15* ## Short answer Usually yes. A homeowners or renters policy generally excludes or sharply limits business activity, so a home-based business often needs its own coverage for liability and business property. General liability, a business owners policy, or a home-business endorsement can fill the gap, depending on what you do. Running a business from home does not extend your personal policy to cover it. Homeowners and renters policies are written for personal risks and commonly exclude business liability and limit coverage for business equipment, so a client injured at your home office or stolen business gear may not be covered. Options range from adding a business endorsement to your home policy, to a standalone general liability policy, to a business owners policy as you grow. If clients visit, you carry inventory, or you provide professional services, dedicated coverage is worth reviewing. ## Related - [Insurance coverage options](/insurance) - [Contact our team](/contact)