Buy a business owner's policy from a property insurance brokerage A business owner's policy is sort of an umbrella insurance policy. It protects not only against liability but also against damage to your property. This is sort of like a renters or homeowners insurance policy for those working out of separate office buildings (as opposed to working from home).

I recommend:  Send in an application for a business owner's policy from Seabury & Smith. Check out the different plans offered by Business Insurance Now, then apply online.

Get homeowners insurance quotes from property insurance brokerage companies If you carry a mortgage loan, you are required by law to have homeowners insurance. Besides that, if you run a business out of your home, you have additional contents that could be damaged or stolen if something were to happen to your property. Protect yourself with the right homeowners insurance policy.

I recommend:  Check out the selections at Colonial Group, which offers insurance for traditional homes, mobile homes, modular homes and even log cabins. Get a quote for homeowners insurance from Homesite, which offers a business property endorsement.

Obtain renters insurance from a property insurance brokerage If you rent, you can still protect your belongings against damage or theft. This type of property insurance is very inexpensive and is a must for anyone who rents. If you do business out of your home, it's imperative that you protect yourself against natural disasters as well as burglars. If something were to happen, you don't want to lose valuable time and money. A renters policy quickly reimburses you for your losses.

I recommend:  Explore your options at Hub International; brokers will help you figure out what coverage is best for you. Get a quote for renters insurance from Utica Mutual.