Home business insurance?
I am contemplating starting a business that would provide entertainment for kids parties. My "entertainers" would be teenage actors and they would be performing in the homes of our clients . I would run the business (ie take the bookings and payments) from my home. What insurance do I need to be thinking about? Thanks

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Home Business & Insurance?
This is the second posting, as everyone who answered seemed to not understand what I was asking: I am starting a home-based business in WV. I have obtained the required licenses in my state and have registered with the WV Secretary of State's office. There are no empolyees and almost all activity pertaining to the business is conducted elsewhere (at shows, flea markets, etc.) however a physical address was required to register the business, so I used my home address. Question: What does this do to my homeowners' insurance? I will purchase a separate policy specifically for the business, so the liability aspect is covered. This question is ONLY about the homeowners' insurance... My policy right now clearly states that it is for residential only. A commercial policy is 3x what the residential costs. Does registering a business to my home mean that I must get a commercial policy? Liability aside, say my house burns down. Will the insurance company say that they will not cover because I had a business registered to the address and the policy was for strictly a residential dwelling???? What do people with internet-based home businesses do? Are they required to purchase a commercial policy just because business is conducted at the home? My situation is very similar to this.

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Studying for my insurance test to get my P&C license and...?
Can anyone help me with these few sample questions from the book that I am still a bit confused about: 1. In a homeowners policy, Coverage D ? Loss of Use provides Additional Living Expense (ALE) coverage. Which of the following statements about the Loss of Use coverage is (are) correct? ADamage must always occur to the insured?s house for Loss of Use coverage to apply BA civil authority must deem the house to be uninhabitable for ALE coverage to apply CALE coverage can apply even if the insured decides to relocate DAll of the above (I think it's all of the above, but I am not 100 percent sure) Sally is employed by Beta Insurance Company and works from her home. Occasionally, clients will visit Sally?s home to discuss business. Which one of the following endorsements to Sally?s homeowners policy should Sally purchase to provide just liability coverage for possible injuries to these clients? A. Business Pursuits Endorsement B. Personal Injury Endorsement C. Home Day Care Coverage Endorsement D. Home Business Insurance Coverage Endorsement ( I think it's A) Laura borrowed Kevin?s car with Kevin?s permission. Kevin has a Personal Auto Policy (PAP) with a $400,000 liability limit, and Laura has a PAP with a $100,000 liability limit. Laura negligently injured another driver. The injured driver was awarded $200,000. How much of the award must Kevin?s insurer pay? A. $ 0 B. $ 50,000 C. $100,000 D. $200,000 I get confused on this one! It's either a or d

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