At Tim Huber Insurance, it’s common for our team to work with small business owners who have mixed-use equipment. For example, maybe they use their laptop both at home and on the job. Or they might have a printer that they use both to print out flyers for their business and invitations for their kids’ birthday parties. Here, we’ll look at how commercial insurance works to cover your mixed-use equipment in St. Augustine, FL and why it matters.
Mixed-Use Equipment and Commercial Insurance
Commercial insurance will cover mixed-use equipment, though it’s important for policyholders to be upfront about how they use the equipment. For example, if you don’t let your insurance company know that you bring your laptop home with you every night and then your toddler spills water all over it, then a commercial insurance company might reasonably deny your claim. In that case, you may want to go through your home insurance policy.
Why It Matters
It can be easy for business owners to dismiss mixed-use equipment coverage, especially if their business is more of a side hustle or doesn’t require a lot of expensive equipment to run. However, even if you don’t have a lot of equipment overhead, you might be surprised at how much you have to lose should you face anything from damage to theft to vandalism. Strengthening out your policy now, before there’s a dispute, can help you feel more prepared for whatever may happen down the line.
At Tim Huber Insurance, we help people in St. Augustine run their businesses more efficiently by providing policies that strike a good coverage balance. Whether you have questions about how you use your equipment or you’re just looking for a quote, contact us today to learn more about what we can do for you.
