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HOME-BASED BUSINESS INSURANCE

Home-Based Business Insurance

Many people assume they’re covered by their personal homeowner’s insurance policy when they operate a business out of their home. This may not always be the case, and really depends on the type of business you’re running.


There are many types of in-home businesses run by creative individuals who have found a way to turn their talent and passion into a means to earn supplemental income. We see clients who offer services such as hair styling, computer repair, marketing and advertising, tutoring, consulting, accounting, and more. Others sell products online (Amazon, eBay, Etsy), or manufacture and distribute hand-made products such as candles, soaps, food, clothing, or furniture.


Coverages Relevant to Home-Based Businesses


Business Property

Most homeowner’s insurance policies have a sublimit of coverage for business property, which could be inadequate for your needs. Online retailers often keep thousands of dollars in inventory at home, and this inventory needs to be protected from theft, fire, or water damage.


Liability

If customers visit you in the home, for a hair stylist or consulting business for example, you need liability insurance in case they are injured while in your home. If you do any off-site work for your in-home business, such as repairing computers at your clients’ home or business, liability coverage can protect you if you accidentally damage their property.


Business Income

If you had a fire in your home that caused you to temporarily close your in-home business, this coverage would help minimize your loss of income during that time period.

Ask English!

 

Question

Kristie English, M.Ed.

Principal / Agent

 

Answer

Questions?

We're here to help you understand the best options for protecting your home business.

 

Call us at (833) BIG-TREE / (425) 673-7948, or use our online form to request a quote.

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▹ Adult Family Homes

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▹ Auto Repair Shops

▹ Bars and Taverns

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▹ Consultants

▹ Contractors

▹ Convenience Stores

▹ Gas Stations

▹ Hotels and Motels

▹ Manufacturers

▹ Nonprofits

▹ Property Management

▹ Private Schools

▹ Restaurants

▹ Bonds

▹ Business Owners Policy

▹ Business Interruption

▹ Business Property

▹ Commercial Auto

▹ Commercial Crime

▹ Commercial Liability

▹ Cyber Liability

▹ Directors & Officers

▹ Earthquake

▹ Employment Practices

▹ Extra Expense

▹ Flood

▹ Group Medical

▹ In-Home Business

▹ Inland Marine

▹ Professional Liability

▹ Workers Compensation

▹ Auto

▹ Boat / Watercraft

▹ Classic Cars

▹ Condos / Townhomes

▹ Earthquake

▹ Flood

▹ Health

▹ Homeowners

▹ Life

▹ Longterm Care

▹ Medical Travel / Trip

▹ Motorcycles

▹ Recreational Vehicles

▹ Renters

▹ Umbrella Policy

DISCLAIMER

This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements.

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