Ensure your property is well lit at night to deter intruders. * Don’t advertise the fact that you work from home. * Consider using a post office box for your office address. This is particularly useful if you run an online business and are concerned about revealing your residential address to all and sundry. * Get an alarm system installed and display the alarm company’s sign prominently on your property. * A dog can be a great security device, not to mention company for the solo worker! INSURANCE Don’t rely on your homeowner’s insurance to cover your business.
And you can just forget about claiming on your homeowner’s policy for injury sustained by a client visiting your home office. So ensure you obtain business insurance separate from your homeowner’s policy or, if your insurance company offers it, an endorsement to your existing policies. This type of extension, where available, can be as low as an additional $200 or so annually.
Health and Disability Check with any trade or professional associations of which you are a member for health insurance packages. Many such associations will have negotiated insurance packages for their members and this can be a good way of getting good cover for a cost-effective price. Other types of insurance to consider are disability insurance in case you can’t work due to illness or disability and workers’ compensation (remember, you may be an employee of your business).
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