Actually, most homeowner’s insurance policies don’t cover business-related damages that occur in a home office. Too many home based small business owners find this out only after they go to file a claim.

Even if your homeowner’s insurance protects some of your business property, chances are good that that coverage won’t be in effect when you are traveling for work, whether that means running to a client lunch or flying across the country for a conference.

A simple general liability insurance policy or business owner’s policy can offer home based business owners the protection they need for both basic business property (such as laptops) and certain types of injuries clients can suffer (such as slander), whether the incidents occur at home or on the road.