07/09/2026
Many homeowners assume that their personal household contents policy automatically extends to cover any business activities or side hustles run from home.
While personal policies can accommodate basic, administrative home office setups with a small percentage extension for office equipment, public-facing or commercial operations, like home salons, tuck shops, or baking businesses, are completely different scenarios. These types of businesses involve higher risk exposures, stock storage, and foot traffic that personal household policies simply aren't designed to cover.
Operating a commercial venture from home without the correct business extensions or specialized commercial policy leaves your inventory, equipment, and personal liability exposed if a loss occurs.
Reach out to the team at CC&A Insurance Brokers today to discuss your home business setup and ensure you have the proper cover in place.
https://ccainsurance.co.za/