I run mine out of my home. What state are you in? I can ask my insurance broker if the company I use works in your state.
Originally Posted by Mary Poppins:
Thanks for the input (not just you but everyone!).
I only have a very small hdc but I do see why this is so important even though my state doesn't require it. I sent an email to my agent asking about a rider policy (I didn't say I am currently operating a dc specifically just in case). I think a rider is my only option because I'm having a really hard time finding a standalone company that lists my state and the ones I did find say specifically NO RESIDENTIAL DC'S. Ugh! 
Hopefully I'll never need it, but after all the great advice here I'd rather have it than a paragraph in my handbook that *may or may not* (and probably won't it seems) cover me.
This is why I love this forum. You ladies rock. 