Insurance for Home Business
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!