Home business insurance is just what it sounds like — insurance for business conducted off private residence. If you have a full-time or part-time business you operate from your home, you should consider this coverage because most HO policies don’t cover an in-home business.
Why Paperless Home Business Insurance?
Our home business insurance is coverage specifically designed to meet the needs of home-based business owners. From accounting services to crafts to computer repair services, every policy is quoted and written with the specific business in mind. It is affordable, quick and available for 200 unique home-based businesses.
Are you covered?
Our Home Business Insurance fills the gaps left by most home insurance policies. The truth is the vast majority of homeowner’s policies do not cover you when you file a claim related to your home-based business. Think about these common scenarios:
- A business client is injured slipping on your door steps or fell in your home office
- Your computer is destroyed by a power surge during a lightning storm
- Customers’ checks are stolen from your home
- A customer breaks inventory or is injured while you’re exhibiting at a local trade show
- Under a homeowner’s policy, a claim resulting from any of these common scenarious would be denied. Most homeowners and renters policies do not cover liability or damage to property from business activities.
Our policy includes:
Coverages satisfying most event or show liability requirements.
Up to $2,000,000 in business general liability coverage, both on and off the residence premises.
Up to $500,000 in business personal property limits for protection at home and while temporarily off premises. A secondary location such as a storage facility is also covered.
Up to $10,000 per person for medical payments to customers or vendors injured on your premises.
Optional coverages available for electronic data processing equipment, money and securities, additional insureds, terrorism coverage, garagekeepers coverage and identity fraud expense coverage.
Availability in all states and the District of Columbia, regardless of the carrier providing your homeowner coverage.
Premiums for a year of coverage are similar to the cost other companies charge for a single show.
Deductible from $250
We’ve taken the same business owners policy (BOP) used by the competition, customized it just for home businesses and made it affordable. Completing a quote is quick, easy and painless.
With the information you provide us, we can get you the right coverage for your business in only 10 minutes!
Eligible Home Businesses
Abstracting and indexing
Accounting
Adjuster (public or independent claim adjuster)
Advertising specialty items sales
Antique gallery/shop
Appraisal service
Art gallery/art studio
Artist supplies
Auctioneer
Auditor
Authors, Educators, Entertainers and Models
Automotive Services
Bakeries
Balloon art
Barber
Barber supplies
Beautician
Beauty supplies
Beverage vendor
Billing Service
Book/magazine distributor
Bookbinding
Bookkeeping Service
Businesses that make non-food products including crafts
Calligraphy
Camera/photography sales or repair
Candle sales
Candy/nut confections
Car detailer
Cell phone/pager sales
Ceramics
Clock or watch repair
Clothing Business
Clown, magician, entertainer
Computer consultants and trainers
Computer repair
Computer sales
Computer service bureau
Computer Services
Cosmetic sales
Crafter
Dance instructor
Database management
Decorative & Floral Services
Desktop publishing
Dessert vendor
DJ
Draftsman
Dry food products/mixes vendor
Editorial service/proofreader
Embroidery
Energy provider
Engraver
Expert witness consultant
Financial planner
Floral arrangement
Food & Vitamins
Food broker
Food supplements/vitamins
Food/product demonstrator
Furniture refinisher
Games/puzzles vendor
Genealogist
Gift delivery service
Gift shop
Glassware
Graphic artist/designer
Handicrafts
Hearing aid sales
Hobby & model supplies
Home Office Services
Hot dog/pretzel vendor
Household products
Information search retrieval
Insurance agent
Interior decorating
Interior window treatments
Inventory control specialist
Jewelry (costume)
Kitchen supplies
Ladies/girls clothing
Leather goods
Lingerie
Loan origination service
Locksmith
Manufacturer’s representative (AMSOIL)
Market research
Medical claims processing
Mens/boys clothing
Model
Monogramming
Musical instrument sales/repair
Newspaper/magazine/book delivery
Notary
Office NOC
Office supplies vendor
Other Business Services
Other Services
Other wholesale and retail sales of products made by others
Paper goods
Pay telephone provider
Personal & Home Services
Personal care products
Personal fitness trainer
Personal image consultant
Personalized books & gifts
Pet accessories
Pet sitter
Photographer/photography studio
Photography Services
Picture framing
Plant care and sales
Prepaid calling card vendor
Printer
Professional organizer
Professional Services
Professional speaker
Publisher
Real estate agent
Religious goods
Residential inspection service
Residential inspection services
Resume service
Retail store NOC
Retail toy sales
Rubber stamp business
Sales of services provided by others
Scrapbooking
Secretarial service
Seed sales
Shoe repair
Sign painting
Stationery
Stenciling
Tailoring, alterations, seamstresses
Tax preparation
Taxidermist
Teacher/tutor
Telemarketing, telephone solicitation
Telephone answering service / voicemail
Toner cartridge recharging
Transcribing, court reporters
Translator
Travel agent
Trophy sales
TV & music related equipment repair
Upholsterer
Video & music sales / rental
Videotaping, videography, dubbing, editing
Vinyl lettering
Vinyl/leather repair
Website designer
Wedding & party planner
Wedding cake and/or cookie sales
Windshield repair
Wood products
Wooden furniture crafters
Word processing
Writer/author