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Its depends on several factors but primarily what your existing policies coverage and exclusions define what a "home" business is....
Many policies will allow incidental business exposure if receipts are $2500 +/- per year. If contracting is your full time gig and you gross more than $2500 +/- and dont have a shop off premises and you advertise your home address as your business address then yes you could have a problem.
I would have a commercial policy for your tools (inland marine) bundled with your commercial auto and you commercial general liability.
Many policies will allow incidental business exposure if receipts are $2500 +/- per year. If contracting is your full time gig and you gross more than $2500 +/- and dont have a shop off premises and you advertise your home address as your business address then yes you could have a problem.
I would have a commercial policy for your tools (inland marine) bundled with your commercial auto and you commercial general liability.
