I posted this elsewhere however did not get an excellent reply. As a substitute of asking an insurance coverage salesman who has a vested curiosity in promoting insurance coverage, I wish to hear from fellow ecommerce house owners. (THEN I will speak to insurance coverage dudes.)

I am operating my ecommerce enterprise out of my home, so there isn’t any capital apart from some shelving, laptop, different small belongings. No enterprise car. I carry roughly $2500 in stock in my home. I promote pet provides however no consumable merchandise. My enterprise is an LLC as I discussed within the title and I’ve each private umbrella insurance coverage and home-owner’s insurance coverage. My understanding is that owners is not going to cowl my stock or enterprise belongings within the occasion of a hearth. Is that appropriate?

If not, do I really want a enterprise coverage for my firm measurement/standing proper now? I count on to proceed operating it out of my home for a minimum of one other yr (engaged on rising the income to the purpose it could actually pay a lease).