INSURANCE FOR HOME BASED BUSINESS

Are you an individual who operates a business from your home? Do you know that your homeowners policy may not provide you with the coverage that you need for your business? We are ready to help.

WE BUILD OUR COVERAGE TO MEET YOUR NEEDS

From people who sell products such as cosmetic and beauty sales consultants, to individuals who perform a service such as balloon artists or dance instructors, there are many different types of home based businesses. This often begins as a hobby to provide you with income for what you do best. Helping you protect your business is what we do best. See top eligible businesses below. Don't see yours? Quote now for over 100 additional types of eligible businesses.

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WE TARGET THE BUSINESSES THAT WE KNOW BEST

General liability, professional liability, property and data security. See if you are a fit for our low prices.
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GENERAL LIABILITY

Protection for someone getting injured at your home while they’re on business or away from your home. For example, you are selling products at a local holiday fair and someone slips and falls in your booth, injuring themselves and damaging products in the booth next to yours.

BUSINESS PERSONAL PROPERTY

Protection for the property you use in your business, the inventory of the products that you sell or the property of others in your possession. For example, as a photographer, your camera is damaged when it is knocked off a table at a wedding reception.

PROFESSIONAL LIABILITY

Protection for errors that you make in the course of doing business that cause financial loss to others. For example, as a baker, you incorrectly schedule a birthday cake for Saturday when the party is on Friday. Professional liability would provide coverage for any extra expense for your customer getting a cake on the date needed from someone else.
Professional Liability may not be available depending on state of residence and class of business.

BUSINESS INCOME AND EXTRA EXPENSE

Protection for the lost income due to your home being uninhabitable. For example, you are a music teacher and you cannot give piano lessons in your home due to a fire.

Coverage is based on the terms, conditions, limitations and exclusions of your policy.  Be sure to read your policy to verify your coverage.

CoverSmart is the best way to buy business insurance.

In a few minutes, you can get a quote and buy the coverage you need. We are a Berkshire Hathaway company
with an A++ A.M. Best financial stability ranking. That means you are getting the right protection at a low price
from a highly rated extremely stable insurance carrier.
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