Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.

Home Based Business

Understanding Your Home-Based Business Risks

When operating a business out of your home, it is crucial to have the coverage needed to protect against several risks.

Whether you operate a business as an accountant, day care, caterer, selling clothing, photographer. etc., there may be risks that you are unaware of.

A white house with a porch and a chimney

Everyday Business Exposures

Consider the public coming into your home and they fall and get hurt, the food you cater (or sell) to an event and people get sick, depending on your business there are various risks to consider.



Do you use your personal vehicle for your business operation? This is also something you should have the proper coverage for.

Employee and Data Considerations

If you hire employees, this is another exposure that you should consider a BOP or a Commercial Policy.



Another consideration is the technology that stores the personal or financial information of your customers.

A white house with a porch and a chimney

Coverage Options and Next Steps

If there is inventory in your home for your business, there is a limited amount of coverage on the homeowner policy.


There are endorsements that can be added to the homeowner policy to obtain some business-related coverage.



These endorsements are very limited to the exposure you as a businessowner face, you might want to consider a Business Owner’s Policy (BOP) or a Commercial Insurance Policy, depending on the business.

Two young boys are laying on the grass and talking to each other.

Solutions for Home Businesses

  • Does my homeowners insurance cover my home-based business?

    Not fully. A standard homeowners policy offers limited protection for business property and liability. To properly cover your home business, you may need a Business Owner’s Policy (BOP) or specific endorsements.

  • What types of home businesses need extra coverage?

    Any business that involves clients visiting your home, business equipment, inventory, or professional services should consider additional coverage. Examples include accountants, caterers, childcare providers, photographers, and online sellers.

  • What kind of insurance should I get for my home business?

    Depending on your risks, you may need general liability, business property, professional liability, or cyber coverage. A licensed agent can help you determine if a BOP or Commercial Policy is the best fit.