{"id":557,"date":"2025-02-14T04:00:00","date_gmt":"2025-02-14T04:00:00","guid":{"rendered":"https:\/\/www.myadvantageinsurance.com\/blog\/?p=557"},"modified":"2025-02-11T22:33:27","modified_gmt":"2025-02-11T22:33:27","slug":"does-condo-insurance-cover-work-from-home-businesses","status":"publish","type":"post","link":"https:\/\/www.myadvantageinsurance.com\/blog\/does-condo-insurance-cover-work-from-home-businesses\/","title":{"rendered":"Does Condo Insurance Cover Work-From-Home Businesses?"},"content":{"rendered":"<p>Home and condo insurance policies share many similarities but also have significant differences. Your condo association&#8217;s master policy insures the condo&#8217;s common areas and parts of your dwelling structure, depending on the policy. Standard condo policies cover your personal belongings and liabilities, similar to a home policy. However, they only cover a minimal amount of business-related assets. If you run a work-from-home business from your condo, you should discuss covering your business with your agent. The Advantage Insurance Network team, serving Cincinnati, OH, will gladly find the combination of condo and business insurance coverage that suits you.<\/p>\n<h2>Condo Insurance and Working from Home<\/h2>\n<p>Condo policies often cover only $2,500 in business assets, which may be sufficient for &quot;side-hustle&quot; businesses operating from home, but the policies do not cover other commercial risks. You should consider commercial insurance for your business if you:<\/p>\n<ul>\n<li>Occasionally host suppliers, customers, or employees at the condo<\/li>\n<li>Store business inventory or supplies in the condo<\/li>\n<li>Could have the business interrupted or revenues lost if your condo suffers damage<\/li>\n<li>Need Worker&#8217;s Compensation coverage<\/li>\n<li>Have supplier, client, or employee records subject to cybercrime<\/li>\n<\/ul>\n<p>There are multiple commercial insurance options. The best option for you depends on your business, but three common options are:<\/p>\n<ul>\n<li>Business property rider for your condo policy (typically with $5,000 limits)<\/li>\n<li>In-home business insurance for property, liability, and other elements (for businesses with revenues of $250,000 or less)<\/li>\n<li>A Business Owner&#8217;s Policy (BOP) provides a range of commercial insurance coverage for businesses with $250,000+ revenue<\/li>\n<\/ul>\n<h2>Working with the Advantage Insurance Network<\/h2>\n<p>The Advantage Insurance Network team proudly serves condo owners in Cincinnati, OH, and the vicinity. Call (513) 922-9460 or stop in today to discuss a personal and business insurance plan that fits your condo-based business.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Home and condo insurance policies share many similarities but also have significant differences. Your condo association&#8217;s master policy insures the condo&#8217;s common areas and parts of your dwelling structure, depending on the policy. Standard condo policies cover your personal belongings and liabilities, similar to a home policy. However, they only cover a minimal amount of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[50,68,72],"class_list":["post-557","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-advantage-insurance-network","tag-cincinnati-oh","tag-condo-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"Home and condo insurance policies share many similarities but also have significant differences. 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