Home-Based Business
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About This Coverage
Home-Based Business policies are designed specifically to handle the business insurance needs of a business that is operated from an insured’s home by providing coverage for business personal property (equipment, inventory and supplies) and business-related liability exposures. In addition, a Home-Based Business Insurance policy can provide coverage for lost income. Coverage provided includes losses or damage from business activities conducted at the insured’s home or off-site at another location. That means business property is protected while an insured is in transit and provides liability coverage when they are performing business-related activities at a craft show or someone else’s residence. Home-Business Insurance fills the gaps left by most insurance policies.
Features:
- Liability limits up to $1 million
- Satisfies most event or show liability requirements
- Business property protection up to $100,000 (with $250 deductible)
- Optional Coverages Include: Money & Securities, Garagekeepers, Unmanned Aircraft (state restrictions apply), Identity Fraud Coverage
- Electronic data processing coverage (optional in CA & FL)
- Loss of income coverage
Who qualifies for Home-Business Insurance?
- The applicant must live in a U.S. state or the District of Columbia.
- The applicant is looking for business personal property insurance and business general liability coverage, NOT homeowners insurance, professional liability insurance or automobile insurance.
- Applicant business is home-based, not located in a retail store or commercial office space. Note: this does not mean all business activities must be conducted at the home. It is acceptable to operate from another site, such as a craft show, on a temporary basis.
Eligible Classes:
- Abstracting and Indexing Service
- Accounting Service
- Adjuster (Public or Independent Claim Adjuster)
- Advertising Specialty Items Sales
- Antique Gallery/Shop
- Appraisal Service
- Art Gallery/Art Studio
- Art Instructor
- Artist Supplies
- Auctioneer
- Auditor
- Bakeries
- Balloon Art
- Barbers
- Barber Supplies
- Beauticians
- Beauty Supplies
- Beverage Vendor
- Billing Service
- Blogger
- Book/Magazine Distributor
- Bookbinding
- Bookkeeping Service
- Calligraphy
- Camera/Photography Sales or Repair
- Candle Sales, excluding sales of candles made by individuals
- Candy/Nut Confections
- Car Detailer
- Cell Phone/Pager Sales
- Ceramics
- Clock or Watch Repair
- Clowns, Magicians, Entertainers excluding Bands & Disc Jockeys
- Computer Consultants and Trainers who are not involved in development of custom applications/programs
- Computer Repair
- Computer Sales
- Computer Service Bureau
- Cosmetic Sales (Avon, Mary Kay, etc.)
- Crafts, excluding manufacturing/distribution of candles made by individuals
- Dance Instructors
- Database Management
- Dessert Vendors
- Desktop Publishing
- DJ’s
- Draftsman
- Dry Food Products/Mixes Vendor
- Editorial Service/Proofreaders
- Embroidery
- Energy Provider
- Engraving
- Expert Witness Consultants
- Financial Planning, excluding discretionary trading authority and/or access to customer’s funds
- Floral Arrangement
- Food Broker
- Food/Product Demonstrator
- Food Supplements/Vitamins
- Furniture Refinishers
- Games/Puzzles Vendor
- Genealogists
- Gift Delivery Service (balloons gift baskets, ect)
- Gift Shop, excluding manufacturing/distribution of candles made by individuals
- Glassware
- Graphic Artist/Designer
- Handicrafts, excluding manufacturing/distribution of candles made by individuals
- Hearing Aid Sales
- Hobby & Model Supplies, excluding explosives and propellants
- Hot Dog/Pretzel Vendors
- Household Products (Fuller Brush, etc.)
- Information Search Retrieval
- Insurance Agent
- Interior Decorating
- Interior Window Treatments
- Inventory Control Specialist
- Jewelry (Costume)
- Kitchen Supplies (Tupperware, etc.)
- Knife Sharpening
- Ladies/Girls Clothing, Accessories
- Lingerie
- Legal Office Professionals Including Paralegal
- Leather Goods
- Life Coach
- Loan Origination Service
- Locksmith
- Market Research
- Medical Claims Processing
- Men's/Boys Clothing, Accessories
- Models
- Monogramming
- Musical Instrument Sales/Repair
- Newspaper/Magazine/Book Delivery
- Notaries
- Office Professionals
- Office Supplies Vendor
- Paper Goods
- Pay Telephone Provider
- Personal Assistant
- Personal Care Products
- Personal Fitness Trainer
- Personal Image Consultants
- Personalized Books & Gifts
- Pet Accessories
- Pet Sitters
- Photographer/Photography Studio
- Picture Framing
- Plant Care and Sales
- Prepaid Calling Card Vendor, excluding sales from vending machines
- Printer
- Professional Organizer
- Professional Speakers
- Publisher
- Real Estate Agent
- Religious Goods
- Residential Inspection Services
- Resume Service
- Retail Toy Sales
- Rubber Stamp Business
- Scrapbooking
- Secretarial Service
- Seed Sales
- Shoe Repair
- Sign Painting
- Stationery
- Stenciling
- Tailoring, Alterations, Seamstresses
- Tax Preparation
- Taxidermist
- Teachers/Tutors, except sports, physical education, industrial or martial arts
- Telemarketing, Telephone Solicitation
- Telephone Answering Service/Voicemail
- Toner Cartridge Recharging
- Transcribing, Court Reporters
- Translator
- Travel Agent
- Trophy Sales
- TV/VCR Repair
- Unmanned Aircraft Operations
- Upholsterer
- Video & Music Sales/Rental
- Videotaping, Dubbing, Editing
- Vinyl/Leather Repair
- Vinyl Lettering
- Website Designer
- Wedding Officiate
- Wedding & Party Planners
- Wedding Cake and/or Cookie Sales
- Windshield Repair
- Wood Furniture Crafters
- Wood Products, excluding toys and furniture Manufacturing
- Word Processing
- Writers/Authors
State Availability: National