Home Forums Hunting & Shooting Hunter's Campfire For the Insurance guys

If it has ANY business use your homeowner's policy won't cover it. It's not something that an average homeowner would have and use, and they would deny coverage under a personal lines policy.

Get an agent who writes BOP (Business Owner Policy) coverage and get a BOP, then add it to the policy. If you're conducting a business out of your home this is especially important, as you expose the home to liability not covered by Homeowner's Insurance.

On the BOP they could go to a specialty insurer that writes floaters for this kind of equipment. A good independent agent is my recommendation, and a company like Fireman's Fund or The Hartford for the BOP would be good. The agent and main insurer could work with a specialty company. You do need a commercial policy.

"Business Credit" is pretty much an illusion for a small business, or even a medium sized business. I've had "business" leases and loans for over 20 years, but any significant loan transaction still requires a personal signature.

I'd not spend a penny trying to "build" business credit.

I have come to the conclusion that it is a Joke my self.

Over 10 years in Business with a record of always paying my bills on time and no one would give me credit when they practically throw money at everyone else that I have met in business.