{"id":1548,"date":"2020-02-26T11:56:00","date_gmt":"2020-02-26T17:56:00","guid":{"rendered":"https:\/\/www.insuringky.com\/blog\/?p=1548"},"modified":"2020-06-08T15:47:26","modified_gmt":"2020-06-08T21:47:26","slug":"home-businesses-wholesale","status":"publish","type":"post","link":"https:\/\/www.insuringky.com\/blog\/home-businesses-wholesale\/","title":{"rendered":"Home Businesses (Wholesale)"},"content":{"rendered":"\n
\"Home
Are your protecting your home based business?<\/figcaption><\/figure><\/div>\n\n\n\n

A variety of businesses\nare routinely operated in homes. This article discusses aspects of particular\noperations. Refer to Home Businesses – Basics for background information\non coverage as well as our other articles discussing different in-home\nbusinesses.<\/p>\n\n\n\n

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Homeowners insurance seldom covers a business<\/figcaption><\/figure><\/div>\n\n\n\n

Wholesale – <\/strong>As a wholesaler, here are some coverage options\nfor your consideration:<\/p>\n\n\n\n

Businessowners Policy<\/strong> – If you are a manufacturer’s representative with limited\ninventory, some insurance companies will cover your business with a BOP. A BOP\nprovides broad coverage for buildings, personal property, loss of\nbusiness income, extra expense incurred to remain in business (after a fire or\nother covered cause of loss), premises liability and medical payments.<\/p>\n\n\n\n

If\nyou have more than $1,000 of goods off-premises in transit, you will need to\nadd additional coverage. Coverage for goods stored at other locations must be\nadded to the policy.<\/p>\n\n\n\n

Commercial Package Policy<\/strong> – If you cannot qualify for a BOP, your agent will\nprobably have to build a special commercial package policy to meet your\nneeds. You will need a competent commercial lines agent to help you.\nCommercial lines agents have both the expertise to design the appropriate\ncoverage and the markets for your wholesale business.<\/p>\n\n\n\n

Workers Compensation <\/strong>– You will need workers compensation coverage for any employee – even part-timers.<\/p>\n\n\n\n

Commercial Auto Policy<\/strong> – You may need commercial automobile insurance if you\ndeliver anything or if your vehicle is larger than a car, van or small pickup,\nor if the vehicle is owned by a corporation.<\/p>\n\n\n\n

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COPYRIGHT: Insurance Publishing Plus, Inc. 2016<\/p>\n\n\n\n

All rights reserved. Production or distribution, whether in whole\nor in part, in any form of media or language; and no matter what country, state\nor territory, is expressly forbidden without written consent of Insurance\nPublishing Plus, Inc.<\/p>\n","protected":false},"excerpt":{"rendered":"

A variety of businesses are routinely operated in homes. This article discusses aspects of particular operations. Refer to Home Businesses – Basics for background information on coverage as well as our other articles discussing different in-home businesses. Wholesale – As a wholesaler, here are some coverage options for your consideration: Businessowners Policy – If you are a manufacturer’s […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18,3],"tags":[3084,3083,3077,3078,3079,3080,3082,3081,2064,2135,2128,2131,2126,3087,3086,3085,3088,2066,2133,2129,3064,3063,3062,3061,2063,2132,2127,2067,2136,2130,2957,1788],"class_list":["post-1548","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","category-home-insurance","tag-can-i-work-from-home-without-insurance","tag-do-i-need-insuranace-to-work-for-home-ky","tag-do-i-need-insurance-for-a-home-based-business","tag-do-i-need-insurance-for-a-home-based-business-in-ky","tag-do-i-need-insurance-for-a-home-based-business-in-sc","tag-do-i-need-insurance-to-work-from-home","tag-do-i-need-insurance-to-work-from-home-in-ga","tag-do-i-need-insurance-to-work-from-home-in-ky","tag-ga-home-based-business-insurance","tag-ga-home-based-business-insurance-specialist","tag-ga-home-based-wholesale-business-insurance","tag-home-based-business-insurance-spceailist","tag-hone-based-wholesale-business-insurance","tag-if-i-operate-a-business-form-home-in-ga-do-i-need-insurance","tag-if-i-operate-a-business-form-home-in-ky-do-i-need-insurance","tag-if-i-operate-a-business-from-home-do-i-need-insurance","tag-if-i-operated-a-business-from-home-in-sc-do-i-need-insurance","tag-in-home-based-business-insurance","tag-in-home-based-business-insurance-specialist","tag-in-home-based-wholesale-business-insurance","tag-insurance-for-ga-work-from-home","tag-insurance-for-ky-work-from-home","tag-insurance-for-telecommuters","tag-insurance-for-work-from-home","tag-ky-home-based-business-insurance","tag-ky-home-based-business-insurance-speciaist","tag-ky-home-based-wholesale-business-insurance","tag-sc-home-based-business-insurance","tag-sc-home-based-business-insurance-specialist","tag-sc-home-based-wholesale-business-insurance","tag-will-homeowners-insurance-cover-my-business","tag-work-from-home"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t