If you are running your business from your home, your homeowner’s insurance may not cover you in case of theft or loss. It’s a good idea to see if your insurance company offers a rider that covers your business or get actual business insurance. A liability policy will cover a wide range of issues, including loss of income, business continuance, theft recovery and replacement and disability. Don’t run the risk of thinking you’re covered. Just when you need it most, you may find that all your hard work has literally gone up in smoke.