Insurance companies differ considerably in the types of business operations they will cover under the various options they offer. It is wise to shop around for coverage options as well as price.

Regardless of the type of policy you choose, if you're a professional working out of your home, you need professional liability insurance. Some types of in-home businesses, such as those that make or sell food products or sell home-made personal care products, may have to purchase special policies.

In-home business policies generally include broader liability insurance for higher amounts of coverage. They may offer protection against lawsuits for injuries caused by the products or services you offer, for example.

Just as you need insurance, for your home business, you also should incorporate your business. If you do not - a customer can sue you in court, and all of your personal assets (home, bank accounts, etc) are subject to being seized. If you incorporate your business, it will protect you. Most small and home businesses incorporate as an LLC.

» click here to visit BizFilings.com, which offers free information about incorporation.

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