Insuring Your Side Hustle: What You Need If You're Working From Home

​With platforms like Etsy, Fiverr, and Instagram turning everyday hobbies into side hustles, many people don’t realize they may be underinsured for the business activities they’re running from home. This blog covers why traditional homeowners or renters insurance doesn’t cut it—and what coverage you actually need.

Why Your Homeowners Policy Isn’t Enough

Homeowners and renters policies are designed to cover personal property and personal liability—not business activity. That means if a storm destroys your inventory or a client slips on your porch, you could be paying out of pocket.

Common Side Hustle Risks You Might Be Overlooking

• Inventory Loss – Selling candles, crafts, or merch? If fire or theft hits, your product stock may not be covered.
• Liability Issues – Teaching yoga from your backyard or offering in-person coaching? Any injuries on your property could put you at risk.
• Data Protection – Freelancers handling personal info or client data (like tax prep or social media consulting) could face legal exposure if a breach occurs.
• Shipping Problems – Lost, damaged, or stolen packages can be a huge loss if you aren’t properly insured.

​Types of Insurance to Consider
Depending on your business type and risk exposure, these may apply:
✅ Home-Based Business Insurance – Covers your business equipment and limited liability.
✅ Professional Liability Insurance – Especially important for coaches, consultants, and freelancers.
✅ Product Liability Insurance – For makers, bakers, and creators selling physical products.
✅ Commercial Auto Insurance – If you use your vehicle for business deliveries.
✅ Cyber Liability Insurance – If you store or manage client data online.

How to Get Covered
Start by talking to an independent agent (👋 that’s us!). We'll help assess your risks, review your current coverage, and build a tailored policy that keeps your side hustle safe.

Final Thoughts
You’ve invested time, energy, and heart into your side hustle—don’t leave it vulnerable. Whether it’s your full-time dream or a part-time passion, VIP Insurance Professionals can help make sure you’re fully protected.