Does my homeowners policy cover my home-based North Dakota business? 

No. A homeowners policy specifically excludes liability coverage for business operations. Many insurers will add business liability by endorsement for lower-risk operations. Coverage for business property is very limited and does not include inventory held for sale, which requires a commercial policy. 

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.