Home-Based Business Insurance
Protection for businesses operated from home.
Typical cost: $200 – $1,000 per year
Home-Based Business Insurance
Home-based business insurance fills gaps in homeowners coverage when you run a business from home. Homeowners policies exclude business property and liability, leaving home-based entrepreneurs exposed.
Coverage Options
Options include adding a home business endorsement to your homeowners policy, purchasing an in-home business policy, or getting a full BOP. The right choice depends on your business size, inventory, and client interaction.
What's covered
Business Property
Covers business equipment, inventory, and supplies at home.
Liability Coverage
Covers injuries to clients visiting your home office.
Business Interruption
Covers lost income if home damage affects your business.
Product Liability
Covers claims from products you make or sell from home.
Off-Premises Coverage
Covers equipment when taken to client sites.
Tips
- • Homeowners policies have very limited business coverage
- • Home business endorsements are affordable for low-risk businesses
- • Full BOP needed if clients visit regularly or you have significant inventory
- • Keep business and personal property well documented
- • Verify coverage applies at home and when you work at client sites
Other business owners policy (bop) types
Small Business Insurance
Tailored coverage for businesses with fewer than 100 employees.
Startup Insurance
Essential coverage for new and emerging businesses.
Franchise Insurance
Coverage designed for franchise owners and operators.
Retail Business Insurance
Coverage for brick-and-mortar retail stores.
Restaurant Insurance
Specialized coverage for food service businesses.
Construction Business Insurance
Comprehensive coverage for contractors and builders.
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