Common Sense Insurance Agency

More than half of home-based businesses are underinsured
Three reasons your clients with home-based businesses need a general liability policy
1
An IT consultant goes to
a client's office and accidentally damages client's laptop.
Property damage covered! A GL policy will protect against third party property damage claims.

2
A barber's client slips and falls fracturing a finger and hitting his head.
Bodily injury covered! GL policy protects against third party medical costs.

3
A home-based recruitment consultant made disparaging and untrue remarks about a candidate to the HR director, the candidate sued the consultant for slander.
GL protects against 3rd party claims of slander.

Common Sense Insurance Agency has many carriers who specialize in these type home based business exposures.

Need more info?

Call me @ 763-557-6707.

On average, there is a cyber attack every 39 seconds in the United States, and 43% of hackers target small businesses. Is your business protected?

Cyber liability is an imperative coverage that focuses on an insured's exposure to a data breach. A data breach can occur when personally identifiable information is compromised by hackers, a faulty transaction occurs, technology malfunctions, human error, or data that is lost or improperly disposed.

I have had a lot of success in placing these policies due to:

Separate, full limits built into the policy
Separate comprehensive insuring clause for Identity Theft
Separate comprehensive insuring clause for Website Liability
Policies that I can write are designed to cover:
Breach notification costs
Cyber business interruption
Data restoration
Ransomware attacks
Regulatory fines/penalties
Social engineering

Need more info or a quote?

Give me a call, paul Common Sense Insurance Agency, Inc.