Home-Based Business Insurance

Running your business from home? Your home policy probably won't cover it.

Home insurance excludes most business activity, leaving your equipment, inventory, and client liability unprotected. Home-based business coverage protects your professional assets and your liability to clients — without the cost and complexity of a full commercial policy.

From consultants and online sellers to in-home service providers, we right-size coverage for how you work.

What's covered

Business equipment and inventory beyond home-policy limits
Liability for clients who visit your home
Professional / product liability options
Loss of business income after a covered event
Coverage for tools and stock off-site

Good to know

Frequently asked questions

Doesn't my home policy cover my home office?: Home policies cap business property and exclude business liability. A home-based business policy covers the gap.
Clients visit my home — am I covered if one is injured?: Not under a standard home policy's personal liability for business activity. This coverage adds that protection.
When should I move to a commercial policy?: As revenue, inventory, or your client base grows, a commercial policy may fit better. We'll advise when it's time and handle the transition.

Insurer partners

Insurers we compare for home-based business insurance

We shop these partners to find the right coverage and price for you.

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Frequently asked questions

Doesn't my home policy cover my home office?

Home policies cap business property and exclude business liability. A home-based business policy covers the gap.

Clients visit my home — am I covered if one is injured?

Not under a standard home policy's personal liability for business activity. This coverage adds that protection.

When should I move to a commercial policy?

As revenue, inventory, or your client base grows, a commercial policy may fit better. We'll advise when it's time and handle the transition.