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even if it is your private car, in the course of operating your business. It covers damage that you or an employee may cause in a business-related accident. Similarly, make sure you insure all employees' personal cheaps car insurance that are used for business purposes. If your business has employees, you will also need workers' compensation insurance which covers their injuries on the job. Several insurance companies have special "package" policies that cover both your home and a business that is run from there. Typically, these policies cover computer equipment and other business property, whether used in your house or elsewhere and protect you from business liability lawsuits and loss of income. These types of policies usually cost less than either adding riders to your home insurance or buying separate policies for home and business. Since there are lots of options to choose from, it's a good policy to shop around a bit to get the best value from your policy.