Insurance for web design impossible?

Elli · 01-14-2004

Hi folks,

My home insurance company just got new underwriters this year and so I had to change my policy. However, they found after much calling around that NOONE will insure a home if there is a web design business being run out of it (I'm in Vancouver, Canada). I did find one carrier, but the premiums start at 2000$ and go up from there. I was paying 500$ before for my entire house. gr. Has anyone else had similar experiences?

Apparently web design is in the same high risk category as accountants and whatnot, but we can't figure out why since there is obviously not a lot of on-site clients or assets to steal. I have asked them to insure the house without insuring the web design business, but they said that's impossible as long as I am doing web design in the house. I would have to get an office to do that, at which point I need to pay the 2000$ premium for th eoffice PLUS the house's insurance.

Anyone else out there like me? Please?

01-14-2004	#1
Elli cams.com is my home away from home! Join Date: Jan 2004 Location: Vancouver Posts: 129	Hi folks, My home insurance company just got new underwriters this year and so I had to change my policy. However, they found after much calling around that NOONE will insure a home if there is a web design business being run out of it (I'm in Vancouver, Canada). I did find one carrier, but the premiums start at 2000$ and go up from there. I was paying 500$ before for my entire house. gr. Has anyone else had similar experiences? Apparently web design is in the same high risk category as accountants and whatnot, but we can't figure out why since there is obviously not a lot of on-site clients or assets to steal. I have asked them to insure the house without insuring the web design business, but they said that's impossible as long as I am doing web design in the house. I would have to get an office to do that, at which point I need to pay the 2000$ premium for th eoffice PLUS the house's insurance. Anyone else out there like me? Please?