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Q. I am starting up a small business where I will manufacture, market and sell my own products online. I will use a room in my home as an office. What type of insurance do I need?
–Paul
A. Hi Paul. An insurance policy protects you against defined risks. Although I haven’t seen your home insurance policy, I would be surprised if the risks that you are covered for include things related to manufacturing operations.
You didn’t ask, but you may also want to look into what type of zoning your house has and whether the manufacturing that you are planning to do is allowed there. This is a particular type of zoning and it is different from zoning for regular houses.
If the zoning for your home does not allow for the manufacturing you intend, you won’t likely be able to get insurance to do that covers you for manufacturing, either.
In any event, you should call up your home insurance broker and ask what insurance is available for a home business such as yours—either through your home insurance or another insurance product…

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