Do I need to get small business insurance for a quilting business in my home that would have from 4 to 6 people entering my home weekly to get their quilt tops quilted? My state is Nevada. No one would be using my quilting machine. I was quoted $ 225 per year minimum coverage for 300K liability and 600K for the other coverage plus coverage on my machine for theft or damage. The machine costs 6K . Wouldn’t my homeowners policy cover me, given these circumstances?