Home-Based Business

Offered by Osprey Underwriters

Home Based Business Freelancers

Description

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Do You Run a Business Out of Your Home or Have A Hobby That Earns Income? 

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 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?

·      Applicant must live in a U.S. state or the District of Columbia.

·      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.

Details

Has Pen

Carrier Information

Admitted

Listing Contact

Osprey Underwriters

Offered By

Osprey Underwriters

20 listings in 50 states + DC

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Availability 50 states + DC

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Covered

Not Covered

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