Homeowners
Yes, if you ship products from your home, standard homeowners does not cover your product inventory or any product liability claims from customers harmed by what you sell. Home business insurance can cover product inventory and product liability for home-based retail and e-commerce operations. This applies to crafters selling on Etsy, resellers, subscription box operators, and any home-based business shipping physical goods. The product liability coverage is particularly important: a single claim alleging product injury can far exceed the homeowners policy limits.
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