Describe the business property
List the equipment, stock and other business belongings you want to insure, including any additional storage location.
Insurance for Your Home-Based Business
Explore business property and general liability coverage for a small business operated from your residence. Share what you do, the property you use and any optional protection you need.
Licensed in California
Menlo Insurance Services is the filed name of Opero Labs Inc. California license #6020106.
Eight brokers, one team
Our eight brokers work together as one Menlo team, so you can reach a person who understands your account.
Independent brokerage
We hold appointments with multiple carriers, so the quote is shopped rather than served from one shelf.
Your business needs its own coverage review
Working from home does not make business equipment, customer visits and professional services the same exposure. This application brings business property and general liability together; professional liability requires a separate policy.
Explain your day-to-day activities
Share your products or services, revenue, claims and whether another business operates from the home. These details guide the underwriting review.
Choose only the additions you need
The application includes optional money and securities, identity fraud expense, garagekeepers, inland flood and unmanned aircraft questions. Availability and terms still need review.
What to have ready
- A description of your home-based business
- Your business street address and revenue
- The business property and limits you want to insure
- Any additional insured or loss-payee requirements
Coverages that go with it
Business Property
Review protection for business equipment, inventory and other business belongings.
General Liability
Review liability protection for the home-based business and any requested additional insureds.
Professional Liability
A separate coverage need; professional liability is not included in this home business program.
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- Business activities and annual revenue
- Requested business property and liability limits
- Location and additional storage
- Claims history and optional coverages
Questions we get asked
Does this include professional liability?
No. This application concerns business personal property and general liability. Professional liability requires a separate policy.
Is this intended for a storefront?
This program is intended for qualifying businesses operated from a residence, not a storefront. Your activities and any off-premises work still need underwriting review.
What happens after I finish the form?
Your information is collected for review. A completed carrier application and any supporting documents still need broker handling; finishing this intake is not an instant quote, a completed carrier upload or coverage in force.
Ready to compare your coverage options?
Start your application online, or talk with a licensed broker about your situation.