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Jerome Said:

Do I need a business insurance policy?

We Answered:

Your agent is correct. If you use that laptop 1/2 of 1% of the time, it's business property, legally, and subject to the coverage limitations on your condo policy - which is $250 off premises. Off premises includes the office space you rented.

The appropriate coverage, is a business owners policy. The PERSONAL items there, the china and clothes, are automatically covered at that location, under your condo policy, for 10% of the personal property limit, and you can increase that coverage amount.

Whatever you're using to make calls - a desk, a chair, a telephone or cell phone, those ALSO are business property, and subject to the $250 limit on your condo policy. That's TOTAL, not "per item".

Yes. A business policy is the correct coverage. Just like yesterday, when you asked.