covidCOVID-19 has created many questions about your personal insurance risks and coverage. Here are a few things to consider regarding your personal insurance policies. Most standard personal insurance policies exclude injury or loss due to communicable disease. We recommend you consult with your agent for a review of your individual personal insurance coverage. Most personal insurance policies exclude liability for any business operations.  Working from home would be considered incidental and may not fall under the business exclusion. If you have clients in your home, it might impact your insurance. What If I damage company-owned equipment? Your employer should have coverage for the business owned property. What if I use my personal auto for business purposes? Most personal auto policies provide coverage for incidental use, going to the post office, getting supplies, etc. If you are using your personal vehicle for deliveries, Uber, or other business-specific tasks, you may need to amend your insurance policy. We are committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible. No matter how well your business might be doing, disaster can strike and turn your streak of good luck into quagmire of misery and frustration. J.S. Edwards & Sherlock Insurance Agency offers a variety of business insurance policies to protect your business as well as your peace of mind. No matter how small or large, new or longstanding your business is, you never know what the next day will bring or how much it might cost.