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
Availability 50 states + DC
Covered
Not Covered
