Does home business insurance cover my Georgia e-commerce or product business?

Standard home business coverage may handle a simple e-commerce setup, but if you make, sell, or ship physical products from your Georgia home, you usually need broader protection that includes product liability. A basic home business endorsement often is not enough once real inventory and products are involved.

An e-commerce or product business has exposures a homeowners policy was never meant to carry. Your inventory could be damaged, and a product you sell could injure a customer or damage their property. That second risk, called product liability, is the one most home sellers overlook.

Coverage that applies to an e-commerce or product business includes:

• Business property coverage for inventory and supplies stored at home, well above the low homeowners cap.
• Product liability, in case something you sell causes injury or damage.
• General liability for customer interactions and operations.

Here is an example. You sell homemade candles online from your home in Cumming. A customer reports that a candle caused a small fire that damaged their kitchen, and they seek $25,000 in repairs. Your homeowners policy excludes business activity, so it would not respond. A business owners policy with product liability would cover the claim and your legal defense.

The right answer depends on what you sell and how much inventory you keep, but most product-based home businesses outgrow a simple endorsement quickly. To match your e-commerce business with coverage that actually protects it, request a free coverage review at our coverage review page.