If you ever have to file a home business insurance claim, take steps to ensure the process goes smoothly. Provide your insurer with as much information as necessary to ensure payout. Carefully read the details of your insurance policy when you purchase it and look over the policy again before you file a claim. The first thing you need to do is call the police or fire department if the damage was caused by an accident, fire, fraud, theft or vandalism. A police report and other necessary documents need to be on file. Next, contact your insurer and relay the problem. Gather receipts and any other documents that demonstrate proof of ownership. It is strongly recommended that you maintain copies of business records such as assets and inventory in a safe place, preferably off-site. You will need access to these documents if your home business incurs loss or damage or a lawsuit is filed against your business. Have professionals assess and repair the damage as soon as possible. Obtain at least...