I don't know what changed but after 15+ years my shop structure is, apparently, no longer insurable.
We work from a small farm and we build our bat houses in a 36x36 shop on the property. For the entire time it has been covered as an "additional structure" through my farm (homeowners) insurance without issue. They know what we do, no secrets. Now I'm told that a personal structure with a business operating from it is no longer insurable for "reasons". Something about changes in Georgia law not long ago. I will need to seek commercial insurance on the structure. So, going to my business insurance provider I get "no, we can't insure the structure, it's personal property, you need to insure it as an additional structure under your farm (homeowners) insurance."
Now I go to an agent, they have been trying for 3 weeks to find coverage with no success. Right now, if a tornado or fire takes out my shop, we are screwed.
What insurance are you using (companies)? Specifically, I need structure insurance on the shop. I would like to hear from others that personally own their shop and run a small business from it, I know I'm not alone here. Georgia or not, maybe I can find one that will cover it.