Protection for someone slipping and falling at your home when picking up an order or while selling your products at a craft fair.
BUSINESS PERSONAL PROPERTY
Protection for the property you use in your business including the theft or damage of your equipment.
Protection for errors that you make in the course of doing business that cause financial loss to others. For example, you incorrectly schedule to make desserts for a baby shower on Sunday when the event is on Saturday and you cannot make the desserts in time. Professional liability would provide coverage for any extra expense that the host incurs in finding new desserts at the last minute.
Professional Liability may not be available depending on state of residence and class of business.
BUSINESS INCOME AND EXTRA EXPENSE
Protection for the lost income due to your home being uninhabitable. For example, your home has a fire and you need to rent temporary space at a commercial kitchen on a part-time basis to fulfill orders. The extra expense incurred due to the fire would be covered.
Coverage is based on the terms, conditions, limitations and exclusions of your policy. Be sure to read your policy to verify your coverage.