Does a home-based Wisconsin business need separate insurance? 

Often, yes. Wisconsin OCI warns owners not to assume a homeowners policy covers a home-based company. Business equipment, customer injuries, off-premises property, and lost income can be limited or excluded. Depending on your operation, the fix is an endorsement, a BOP, or separate business policies. 

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.