Home-based Business Insurance

If you operate a home-based business, you might assume that your renter’s insurance or homeowner’s coverage is enough for any related liability concerns. But actually, those policies do not cover any business related activities.

Home-based business insurance provides added protection from liability and damages that are related directly to your business operations. And your standard home insurance policy won’t cover lost inventory or materials used in your business, home-based business insurance can.

Home businesses also face many of the same risks other businesses do. For example, if you have employees who work in your home or clients who visit you, it is important to have coverage should they sustain an injury while on your property.

From finance gurus to beauty pros, home-based business insurance is great for lots of different home-based businesses, including:

• Accountants

• Financial and Legal Experts

• Bookkeepers

• Artistic Entrepreneurs

• Photographers

• Hairdressers

• Graphic Artists and Designers

• Management Consultants (ex: business, food services, engineering)

• Repair Services (ex: cameras, computers, musical instruments)

• Beauty, Health, and Wellness Professionals

• Writers

• and many more

Even if you don't find your business type in the list available, talk to our Insurance Specialists. They’re close by and ready to help. Every home-based business is unique, and some may have more complex insurance needs. Get started with a quick quote and feel free to call, chat, or email our Insurance Specialists at any point if you have questions.

The cost of your specific policy depends on a few different factors unique to your business, including:

• What kind of work you do

• The number of people that work for you (if any)

• Your annual revenue

• The coverages you add to your policy

If you need to file a claim, it’s okay, don’t worry, we’ll do it with you. We know accidents and claims happen, we’ve seen and heard it all. As your insurance partner and advocate, we will help you through it. Call us at 1-833-745-0299 and we’ll be here to help you navigate the situation, 24/7.