It is more than likely that your Homeowners Policy does not cover your home based business.
Nor were they ever intended to cover home based business exposures. Example: if your inventory goes up in flames in the garage, there's no getting it back. If an employee or client has an accident whilst on your premises, your more then likely not covered for this either. Possibly worst of all, is that any advice given by your business to a client that then causes that client a loss of money, can result in a lawsuit against you. Unless you carry errors and omissions insurance thats specifically covers your situation.
Check with your Insurance Agent to to determine your exact coverage.http://www.ThumannAgency.com