Do I need a Home Business Insurance Policy?

Home Business Policy provides affordable coverage for those people who operate small home-based businesses.  Insureds often believe their existing homeowners or apartment-dwellers insured will cover any loss or damage to their business equipment, furniture and supplies in the event of fire, theft or other catastrophe, when in fact, those policies usually exclude coverage for any business exposure or provide a minimum of only 250 dollars of protection. 

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What is a Home Business Insurance Policy?

 Home Business Insurance Policies are used to protect individuals that run businesses out of their home.  Regular homeowners policies do not protect peoples business interest or business property and equipment.  A Home Business Insurance Policy can provide product liability, professional liability, loss of business income,  off-premises exposures.

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What can a Home Business Insurance Policy Cover?

Home Business Policy offers insureds comprehensive coverage on their business personal property along with up to $1,000,000 in business general liability protection.  Annual rates start as low as $125.  

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Can I add things to my Home Business Insurance Policy?

Many endorsements are available for Home Based Business Insurance policies such as Money & Securities, Electronic Data Processing Equipment, Increased Coverage for Theft, and Certified Acts of Terrorism. Professional Liability is excluded by some companies and may require a separate policy. 

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