This is a different sort of insurance problem than product liability which we usually discuss. The company I work for allows staff to work from home, but requires us to have liability insurance to protect them from some third party issues. I guess it is an overabundance of caution since we are desk workers, we have no products and no clients. We process warranty claims on a computer. My problem is this: I own my home but due to living in Florida and having a very old house, I cannot get a rider on my homeowner's insurance for a home office. Since I do not rent I cannot get renter's insurance either. A commercial liability policy looks like it costs as much as candle product liability. Does anyone know of any lower cost alternative? I would consider this a very low risk but so far I have not come up with anything. Thanks in advance for any ideas.