I’m ready to start a massage practice out of my Home, does homeowners ins. cover if one of my clients slips and fallsdown the stairs?

generally not.  You'd need an additional policy or rider.  Read your policy and talk to your agent.

No, because you are covered currently as a residential property, not a business.  You will need a policy that covers you operating a business out of your home.

No.   Your homeowners policy does not cover a business.   You can get a business in the home insurance policy.   Ask your insurance agent.

Read your HOA documents regarding insurance.
Also, many HOAs, and city zoning laws, prohibit operating a business from your residence.

Your homeowner's insurance will not pay for any business usage of the residence. You will need a business policy for liability.

Not in the U.K. you need business insurance.

no, residential insurance does not cover accidents due to a business accident.

Your state requires you to be licensed for that. 

It may or may not. First of all, we have no idea what sort of homeowner's policy you have. Second, since you're running a business out of your home, it may not cover any liability you incur during the operation of that business. You'll have to review your policy and check with your insurance company as to what they will or will not cover. 


You can add a "rider" to your current policy, in most areas, that will cover any business related expenses you suffer during operation of the business--or you may have to get a secondary business liability policy to cover them. The only one who can really answer this is your insurance company. 

yes you do have business insurance dont you , and safety standards for a business , dont you .