Business Property
Review protection for business equipment, inventory and other business belongings.
Insurance for Your Home-Based Business
Protect the business you run from home, its property and its liability. We request quotes for you.
We shop the market for you, no broker fees
Your business needs its own coverage review
A homeowners policy usually leaves out business equipment, stock and customer injuries tied to the work you do from home. A business owner's policy brings business property and general liability together, and the application asks whether the premises are home based.
Start with what the business does
The first question is your business type. It decides which markets can quote and what they ask next.
Say the premises are home based
The application asks how you use the premises and how much space the business takes. Home based is one of the answers.
Have your numbers ready
Employees including you, the year you started, expected revenue and payroll are asked before a quote.
Professional liability is separate
A business owner's policy covers business property and general liability. Advice and professional services need their own policy.
What to have ready
- What your business does
- Your business street address
- Number of employees, including you
- Expected revenue and payroll
- The square footage the business uses at home
Coverages that go with it
General Liability
Review liability protection for the home-based business and any requested additional insureds.
Professional Liability
A separate coverage need with its own application.
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- Business type and annual revenue
- Employees and payroll
- Premises type and square footage
- Requested property and liability coverage
Questions we get asked
Does this include professional liability?
No. A business owner's policy covers business property and general liability. Professional liability requires a separate policy.
Does my homeowners policy already cover my business?
Usually only in a limited way. Homeowners policies often limit business property and leave out liability from business activities. Check your policy wording.
What happens after I finish the form?
We ask the markets that write your business type for a quote. Some answers need a broker's review first. Finishing the form does not put coverage in force.
Start your quote online.
Fill in one short form or call us. No broker fees.