{"id":5614,"date":"2023-02-13T08:35:15","date_gmt":"2023-02-13T13:35:15","guid":{"rendered":"https:\/\/www.gosselinassurances.ca\/?p=5614"},"modified":"2023-02-13T10:03:48","modified_gmt":"2023-02-13T15:03:48","slug":"exploiter-son-entreprise-a-domicile","status":"publish","type":"post","link":"https:\/\/www.gosselinassurances.ca\/en\/exploiter-son-entreprise-a-domicile\/","title":{"rendered":"Operating a home-based business"},"content":{"rendered":"
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Home-based worker<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Are you self-employed and operating your business from home or are you thinking of starting a business from the comfort of your home? <\/span>Here's what you<\/span> need to know :<\/span><\/span>\u00a0<\/span><\/p>

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First of all, y<\/span>ou have to <\/span>understand<\/span> tha<\/span>t home insurance<\/span> aims to protect you in your private life activities. Indeed, professional activities are not covered from your home insurance contract whether you own a house, a condo or rent an apartment. It is important to remember that the coverage for your business property is limited on your basic contract.\u00a0<\/span><\/span>\u00a0<\/span><\/p>

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Work-at-home endorsement <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Most insurers<\/span> offer a homeworker endorsement. This insurance coverage allows you to choose an amount of insurance that corresponds to the value of the property for professional use, which is generally higher than the limit set out in the contract.\u00a0<\/span><\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Fo<\/span>r the<\/span> homeworker,<\/span> i<\/span>t is<\/span> not just<\/span> propert<\/span>y <\/span>that<\/span> needs<\/span> to be <\/span>covered,<\/span> but<\/span> also<\/span> liability. Although it is already present on your housing contract, it only covers damage caused to others during private life activities and not those caused in the course of work. For example, a hairdresser who receives a client at her home would not be covered if one of them is injured on the stairs.<\/span>.<\/span>\u00a0<\/span><\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Also,<\/span>this endorsement <\/span>can <\/span>cover the loss of profits caused by a disaster that prevents you from working while the damage is being repaired.<\/span>.<\/span><\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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It <\/span>is <\/span>important <\/span>t<\/span>o verify <\/span>with <\/span>your<\/span>insurer, because depending on the nature of your professional activity, it may assess that the risks are too high to be linked to your home insurance policy. So your insurer may refer you to specialized business insurance instead.<\/span>.\u00a0<\/span><\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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For any questions, do not hesitate to contact our brokers :<\/strong> 1 866 961-3553\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Travailleur \u00e0 domicile Vous \u00eates travailleur autonome et exploitez votre entreprise \u00e0 domicile ou vous pensez d\u00e9buter en affaires dans le confort de votre maison ? Voici ce qu\u2019il faut savoir :\u00a0 \u00a0 Tout d\u2019abord, il faut comprendre qu\u2019une assurance habitation vise \u00e0 vous prot\u00e9ger dans les activit\u00e9s de votre vie priv\u00e9e. En effet, les […]<\/p>","protected":false},"author":1,"featured_media":5628,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","_links_to":"","_links_to_target":""},"categories":[25],"tags":[],"class_list":["post-5614","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tout-sur-lassurance"],"acf":[],"yoast_head":"\nExploiter son entreprise \u00e0 domicile - Gosselin Courtiers d'assurances<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gosselinassurances.ca\/en\/exploiter-son-entreprise-a-domicile\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Exploiter son entreprise \u00e0 domicile - Gosselin Courtiers d'assurances\" \/>\n<meta property=\"og:description\" content=\"Travailleur \u00e0 domicile Vous \u00eates travailleur autonome et exploitez votre entreprise \u00e0 domicile ou vous pensez d\u00e9buter en affaires dans le confort de votre maison ? 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