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If you conduct Business operations from your home, your insurance policy can be affected!

For example; If you are a Professional Musician teaching students in your home, then you have a business being conducted on your premises - this is a breach of your Home policy, and your Insurer could deny your coverage in the event of a claim!

However, there is a solution: Call your Broker to to request an endorsement from your Insurance Company  to give you permission to conduct a business activity on your premises.

This doesn't give you coverage on your Business but it will keep your home insurance valid.

You may also need to purchase a Commercial Insurance Policy to cover Musical Instruments (or other items that are used in conducting your Business) on the premises if their value exceeds the limit on Business Property away from home.

You will also need Public Liability insurance to cover your for Bodily Injury or Property Damage to others or, indeed you may wish to purchase coverage for Loss of Income due to loss or damage to your Premises or your Business Property.

The same situation applies whether you are a Professional Musician, a Professional Photographer, or a Dentist, Doctor, Barber, Tradesman, Contractor, Retailer or anyone operating a Business from their home.

Although certain categories of home-based businesses may be able to purchase the necessary coverage by an amendment to their Home policy, others will require separate Commercial Property, Loss of Income and Public Liability Insurance.

In some cases your Business exposure may be very slight and may not require additional coverage, but you can only be sure if your contact your GNK Insurance Pro with the complete details of the Business activity that you conduct/are planning to conduct from your home.

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Vancouver Office

3295 West Broadway, Vancouver BC V6K 2H5
Telephone: 604-731-4684
Facsimile: 604-731-7107
Email: info@GNKinsurance.com
Office Hours: M-F 9:00 - 6:00, Sat 10:00 - 5:00

Burnaby Office

4198 Hastings Street, Burnaby BC V5C 2J4
Telephone: 604-434-8259
Facsimile: 604-294-8260
Email: info@GNKinsurance.com
Office Hours: M-F 9:00 - 5:30, Sat 10:00 - 4:00