Home-Based Business Insurance

Running a business from home? Your home policy probably doesn't cover it.

If you run a business from home, your home insurance likely excludes business equipment, inventory, and liability. Home-based business coverage protects your professional equipment, your stock, and your liability to clients — without forcing you into a full commercial policy.

From consultants to online sellers to in-home services, we right-size coverage for how you actually 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 stock and tools off-site

Good to know

Frequently asked questions

Doesn't my home policy cover my home office?: Home policies cap business property (often a few thousand dollars) and exclude business liability. A home-based business endorsement or 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. Home-based business coverage adds that protection.
When should I move to a commercial policy?: As your revenue, inventory, or 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 (often a few thousand dollars) and exclude business liability. A home-based business endorsement or 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. Home-based business coverage adds that protection.

When should I move to a commercial policy?

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