Well, I guess I will step into this insurance fray. As an insurance broker (Canada), it is always a good idea to purchase. If you are running the business from your home you SHOULD talk to your broker. People get into difficulties with claims if the insurance company is not aware of the risk. By talking to your broker, doesn't mean that your home coverage will be void. Please be upfront with the broker - it is very hard to "go to bat" for you, our client, if we don't have all the information. (Off my high horse now!)