Comprehensive Coverage
Specialized protection for over 150 specific home-based business types including professional services, creative arts, and MLM/direct sales companies.
Off-Premises Protection
90-day off-premises coverage for when you work at client locations, trade shows, or temporary workspaces. Perfect for mobile professionals.
MLM & Direct Sales
Pre-approved coverage for major MLM companies with specialized expertise in direct sales business models and retailer-focused protection.
Business Property
Business Personal Property coverage for your home office equipment, inventory, and business assets with class-specific protections.
Why Your Homeowners Policy Isn't Enough
Standard homeowners insurance excludes business activities and provides no liability protection for your home-based business operations.
Homeowners Insurance Only
- No business liability coverage
- Business property excluded
- No professional liability protection
- Client injury claims denied
- No off-premises coverage
- Product liability exclusions
Our Home Business Coverage
- General liability for business operations
- Business Personal Property coverage
- Professional liability for applicable classes
- Client injury protection included
- 90-day off-premises coverage
- Class-specific exclusions prevent gaps
Home-Based Business Insurance Complete Guide
What is Home-Based Business Insurance?
Home-based business insurance provides specialized coverage for businesses operated from a residence, protecting against liability claims, property damage, and professional risks that homeowners insurance doesn't cover.
Why Do Home-Based Businesses Need Special Coverage?
- Homeowners Exclusions: Standard policies exclude business activities and won't cover business-related claims
- Client Liability: Protection needed when clients visit your home office or you work at their locations
- Business Property: Equipment, inventory, and supplies need specialized coverage beyond personal property limits
- Professional Risks: Many home businesses provide services that carry professional liability exposure
Who Needs Home-Based Business Insurance?
- Professional Services: Accounting, bookkeeping, financial planning, consulting
- Creative Arts: Artists, photographers, writers, graphic designers, crafters
- Personal Services: Beauty/barber services, fitness trainers, pet sitters, tutors
- Retail/Sales: Clothing, jewelry, household products, online retailers
- Technology: Computer services, website design, software consulting, IT support
- MLM/Direct Sales: Pre-qualified companies including major brands and distributors
- Freelancers: Any independent contractor working from home
Coverage Features and Benefits
Our home-based business insurance includes General Liability with class-specific exclusions, Business Personal Property coverage, Professional Liability for certain classes, and unique features like 90-day off-premises coverage. The policy even includes RV dwellers in the residence definition for mobile entrepreneurs.
MLM and Direct Sales Expertise
We specialize in MLM and direct sales businesses with pre-approved coverage for major companies. Our retailer-focused approach avoids products liability exposure while providing comprehensive protection for distributors and consultants.