Running a business from the comfort of your home in or around the greater St. Augustine, FL area can be incredibly rewarding. But as any entrepreneur knows, it also comes with its share of risks. Whileadvantageousiness owners rely on their homeowners or business insurance to protect them; there’s a gap that many don’t realize exists. That’s where umbrella insurance comes in—a policy that offers additional protection when your primary coverage falls short. At Tim Huber Insurance, we’re here to help you understand why this extra layer of coverage is worth considering.

Why Home-Based Businesses Face Unique Risks

When you operate a business out of your home, your risks aren’t limited to the four walls of your house. For example, if a client trips and falls on your property during a meeting or your business is held liable for an issue related to your services, the costs could easily exceed your standard liability limits. Homeowners insurance and even basic business policies typically have caps that might leave you paying out of pocket. Umbrella insurance steps in to cover those excess costs, so you’re not left financially vulnerable.

The Added Benefits of Extra Coverage

Umbrella insurance doesn’t just protect your business; it safeguards your personal assets as well. In the event of a lawsuit, your home, savings, and retirement accounts could be at risk. Umbrella insurance provides peace of mind, ensuring that your hard-earned assets are protected if the unexpected happens.

Ready to learn more? Contact Tim Huber Insurance, proudly providing umbrella insurance solutions to residents in and around the greater St. Augustine, FL area to explore how umbrella insurance can secure your home-based business and financial future. Let’s create a plan that works for you!