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Sloan Insurance Agency

33 2nd St
Elmer, NJ 08318

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Does Umbrella Insurance Cover a Home Office in New Jersey?

If you work from home in Elmer, NJ, you may wonder if your umbrella insurance policy will cover your home office in case of a liability claim. The short answer is that it depends on which policy you choose. Agents at the Sloan Insurance Agency are always available to discuss your policy and help you get the coverage you need.

Umbrella insurance is designed to provide liability coverage above and beyond the limits of your homeowner’s or renter’s insurance policy. So, if you have a $500,000 umbrella policy and are sued for $1 million, your umbrella policy would pay for the additional $500,000. However, it’s important to note that umbrella policies have exclusions, just like any other type of insurance policy. One of these exclusions is typically business-related activity.

So, if you work from home and are sued for something related to your business, it’s unlikely that your umbrella policy would provide any coverage. However, there are some exceptions. For example, clients or customers who come to your home office may be covered under your umbrella policy if they are injured while on your property. Similarly, employees who work from your home office may also be covered under your umbrella policy in the event of a work-related injury.

In conclusion, whether or not umbrella insurance will cover a home office in Elmer, NJ, depends on the specifics of the policy and the situation. Business-related activity is typically excluded from coverage, but some exceptions include injuries to clients or employees. If you have questions about whether or not your umbrella policy covers your home office, please get in touch with Sloan Insurance Agency for more information.