Business liability
Claims from clients, products and services, excluded by homeowners cover.
Business Insurance
Home based business insurance for working from home.
Your homeowners policy covers your home. It covers almost nothing about the business being run inside it.
Homeowners policies exclude business activity, usually allowing only a token limit for business property — often a few thousand dollars — and no liability cover at all for business operations. For anyone with real equipment, stock or visiting clients, that is a significant gap.
Equipment, stock and clients at the door
The token business property limit on a homeowners policy rarely covers a working setup, let alone stock held for sale. An endorsement can raise it for a small operation; a separate business policy is the answer once the figures grow.
Liability is the sharper issue. A client injured at your home, or a claim arising from your product or service, falls outside the homeowners policy entirely. Where clients visit, this needs addressing rather than hoping.
What it covers
The parts of a home based business insurance policy
Business equipment
Tools, computers and equipment above the homeowners sub-limit.
Stock
Inventory held at home for sale or fulfilment.
Business interruption
Income lost if you cannot work from the property.
Working with us
What we do differently
We are an independent agency, so we place your home based business insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Check the business property sub-limit on your homeowners policy — it is small
- Add liability cover if clients ever visit the property
- Move to a full business policy once equipment or stock values grow
Common questions
Home Based Business Insurance, answered
Does my homeowners policy cover my home business?
Barely. Most allow a small business property limit, often a few thousand dollars, and exclude business liability entirely. For anything beyond a laptop it is not adequate.
What if a client is injured at my house?
A homeowners policy excludes claims arising from business activity, so it would not respond. Business liability cover is needed wherever clients visit.
When should I move to a full commercial policy?
Once equipment or stock values rise beyond an endorsement, or once you have employees, deliveries or regular client visits. An endorsement suits the smallest operations only.
Related cover
Often arranged alongside this
Business Startup Insurance
Most new businesses buy insurance because a landlord or a client asked. That is a reasonable starting point — it is just not the whole answer.
Read moreMobile Business Insurance
No premises means no premises liability — and no property policy either. Everything you own is in the van.
Read moreBusiness Insurance
A shop, a contractor and a software firm face entirely different risks. We place commercial cover across multiple carriers rather than fitting you to one company's template.
Read moreReady for a home based business insurance quote?
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Let us protect what matters most.