Do You Need Umbrella Insurance If You Work from Home?

Your insurance needs may change if you’re conducting business from home. Many people assume that working from home means fewer risks; however, liabilities can still arise.

At Auto Pilot Insurance, we help home-based business owners understand how umbrella insurance can be a smart addition to their coverage.

What Is Umbrella Insurance?

Umbrella insurance is a type of liability coverage that goes beyond the limits of your standard home or auto policies. It’s designed to provide extra financial protection if you’re held responsible for injuries, property damage or certain lawsuits. This coverage can be especially valuable if a claim exceeds the dollar limits of your primary insurance.

Why Do You Need This Policy?

Even if you work from home, an umbrella insurance policy can be valuable in these situations:

• If a client, delivery person or contractor is injured on your property
• If you face a claim of libel, slander, copyright infringement or false advertising due to your business activities
• If you use your own vehicle for business purposes
• If you’re facing a third-party property damage claim
• If your business activities lead to a lawsuit, such as claims of libel, slander or property damage, your standard policies may not be enough.

It can be a wise choice for clients who:

• Regularly host clients or business partners at home
• Run a home-based business with employees or frequent visitors
• Have significant assets to protect
• Want additional financial safeguards in place

How Our Team Can Help

At Auto Pilot Insurance, we work with remote workers and home-based business owners like you across Texas to assess your risks. Our team can review your current policies, explain where umbrella insurance may offer additional financial protection, and help you find coverage that fits your needs and budget.

Ready to explore your options? Contact Auto Pilot Insurance today to request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.