Why does my Georgia homeowners policy not cover my home business?

Your standard homeowners policy excludes business activities. Home business insurance covers two things your homeowners policy excludes: business personal property above the homeowners sublimit (typically $2,500) and business premises liability for incidents arising from home-based business activities. If a client visits your home office and is injured, your homeowners liability does not respond. For equipment, the gap can be $15,000 to $30,000 for a consultant or designer with quality computers, monitors, and peripherals. Home business insurance fills this for $200 to $500 per year.