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home business insurance

Home-Based Business Insurance

Your customers need business coverage if they sell a product or service. Generally coverage options on the homeowners policy are inadequate.

The Home Business Insurance Policy has provided affordable coverage tailored for home-based businesses for over 20 years, and can provide your customers peace of mind.


  • Coverage for business personal property away from the premises location. Policy endorsement provides coverage to business personal property which is temporarily at a premises an insured may lease, operate or occupy.
  • Coverage limits available up to $100,000 for the business personal property while at the location and temporarily off location.
  • Package Policy priced for home-based businesses.
  • Many business classifications include coverage endorsements designed to tailor coverage for business operations being conducted.
  • Up to $1,000,000 in business liability coverage with aggregate limits at two times the per occurrence limit.
  • Liability limits follow the insured’s business operations conducted within the U.S. and provide for losses which result in bodily injury, property damage and personal and advertising injury.


Top 10 includes:

  • Teachers/tutoring
  • Bakeries
  • Residential inspection services
  • Handicrafts including crafters
  • Photographers
  • Artists
  • Personal care products
  • Costume jewelry sales
  • Sales of clothing and accessories
  • Entertainers


  • Variety of additional insured endorsement forms for a small premium fee of $20 for each eligible additional insured listed
  • Identity Fraud Expense Coverage
  • Garagekeepers Coverage
  • Money & Securities Coverage
  • Increased theft limitation for jewelry and watches


  • $250 deductible for property losses and liability losses resulting in property damage
  • Annual policies starting at $150 with average premiums of $300

All quotes subject to underwriting and approval.



Download the Application

Email us your application and we will quote it quickly.