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Home-Based Business

Home-Based Business

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Did you know that 69% of Entrepreneurs start their business at Home?

Operating a business from your home can be a rewarding and profitable experience. With so much invested in your home based business, it is imperative that you have the right coverage to insure your unique exposures.

You may be surprised to learn that your homeowner policy insurance does not provide the liability or property coverage you need to protect your assets. WE can provide a comprehensive policy designed specifically for your Home Based Business that includes liability and business personal property. ANNUAL PREMIUMS START AT $250.00

Top 20 Home-Based Businesses:

  • Bakeries
  • Barbers/Beauticians
  • Candy/Nut Confections
  • Car Detailers
  • Computer Repair
  • Consultants
  • Cosmetic/Beauty Sales/Consultants
  • Crafts
  • Disc Jockeys
  • Embroidery
  • Floral Arrangements
  • Graphic Artists/Designers
  • Interior Decorating
  • Jewelry (costume)
  • Personal Fitness Trainer
  • Pet Sitters
  • Photographers
  • Tailoring, Alterations, Seamstresses
  • Teachers/Tutors
  • Wedding/Party Planners


Does Your Home Insurance Policy Protect You if...

Home-Based Business Insurance

Home Insurance

Your business laptop is stolen while you are traveling
A customer visiting your home slips and falls
A fire at your home temporarily puts you out of business. Will your lost income and the additional expenses necessary to get back in business be covered?
You are working a trade show and someone trips and falls over your display and injures themselves
Power surge causes business interuption

Product Features

  • Liability coverage up to $1,000,000
  • Business Personal Property/Inventory coverage up to $100,000
  • Off-Premises coverage
  • Loss of Business Income coverage
  • Optional coverage for Money and Securities
  • Equipment Breakdown coverage
  • Professional Errors & Omissions specified classes
  • Satisfies most show and event liability requirements
  • A.M. Best rated A++ carrier

Product Eligibility

  • Inforce Homeowner Policy
  • Coverage for select home based businesses with up to $500,000 in Gross Annual Sales
  • Businesses with no more than one employee (in addition to the owner)
  • Businesses that are sole proprietorships, partnerships, LLC’s, or corporations
  • Optional Additional Insured Coverage for grantor of franchises, mortgagee, lessor of leased equipment, and more…
  • No more than two business related claims in the previous three (3) years