What if a client is injured at my home office in Georgia?

If a client is injured at your home office in Georgia, your homeowners policy will most likely deny the claim, because homeowners liability excludes injuries connected to a business conducted at the home. This is one of the most common and costly surprises for people who work from home.

The reason is the business activities exclusion. Homeowners liability covers ordinary social and household situations, like a friend slipping on your steps. The moment the visitor is at your home for business reasons, the injury falls outside that coverage. A client coming to your home office is, by definition, there for business.

Here is an example. You meet a customer at your home office in Lawrenceville. She trips over a loose rug, falls, and breaks her wrist, then files a claim for $40,000 in medical bills and lost wages. Because she was there for business, your homeowners policy denies the claim, and you could be paying that $40,000 out of pocket.

Liability coverage built for a business answers a client-injury claim that homeowners liability excludes:

• A home business endorsement on your homeowners policy for very small operations.
• A business owners policy for most home businesses, which includes general liability for client injuries.

These options provide the protection your homeowners policy specifically excludes, so a client injury becomes a covered claim instead of a personal bill. To make sure visiting clients are covered, request a free coverage review at our coverage review page.