Does Premises Liability coverage apply if the office is in the home?
Yes. The Trust Policy covers you whether the office is in the home, at a large hospital, or in a small suite of offices. If your office is located in your home, your Homeowners policy may or may not apply to business pursuits. It is important to talk to your Homeowner’s agent to find out if you need to modify your homeowner’s insurance for a home office. The premises liability coverage in your Professional Liability Policy would not cover an injury sustained outside your psychological practice.
