Do I need professional service insurance if I work from home? 

Yes, in most cases. Your exposure follows your work, not your address. A home-based consultant, bookkeeper, or tax preparer faces the same client claims as one in a leased office. Homeowners insurance typically excludes business activity, so business liability and professional liability coverage still apply to home-based professionals. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.