Direct answer
It depends on whether your homeowners policy covers business assets; most carriers exclude commercial activities, so you likely need a separate business owner’s policy (BOP) to protect against professional negligence claims.
Standard commercial insurance policy exclusions and homeowners insurance declarations. For additional information about policy limitations, see the Insurance Information Institute‘s guide to home-based business insurance coverage.
What this means for you
It depends on whether your homeowners policy covers business assets; most carriers exclude commercial activities, so you likely need a separate business owner’s policy (BOP) to protect against professional negligence claims.
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