Protection for someone getting injured at your home while they’re on business or away from your home. For example, you are selling products at a local holiday fair and someone slips and falls in your booth, injuring themselves and damaging products in the booth next to yours.
BUSINESS PERSONAL PROPERTY
Protection for the property you use in your business, the inventory of the products that you sell or the property of others in your possession. For example, as a photographer, your camera is damaged when it is knocked off a table at a wedding reception.
Protection for errors that you make in the course of doing business that cause financial loss to others. For example, as a baker, you incorrectly schedule a birthday cake for Saturday when the party is on Friday. Professional liability would provide coverage for any extra expense for your customer getting a cake on the date needed from someone else.
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, you are a music teacher and you cannot give piano lessons in your home due to a fire.
Coverage is based on the terms, conditions, limitations and exclusions of your policy. Be sure to read your policy to verify your coverage.