Two of every three people who have a business or a hobby out of the home do NOT have adequate insurance. Most homeowners policies are not designed to coverage losses from the business.

Consider the following that may not be covered by a homeowners policy:

• A DJ at a birthday party has $4,500 of sound equipment stolen
• A photographer forgets to use the flash and misses most of the pictures at a wedding reception. The bride and groom sue the photographer for $15,000
• A representative for Pampered Chef has $2,700 of inventory in their home. The inventory is destroyed when a fire damages the home
• A teacher tutors children in math throughout the year. A student trips and falls at the teacher's home resulting in injuries. The parents sue the teacher for $42,000
• A person sells crafts at regional craft shows throughout the year. An attendee slips over the display and falls into the neighboring booth. The person has $10,000 in injuries and the person in the next booth has $3,500 in damaged inventory.
• A fitness trainer needs to show proof of liability coverage to be able to teach Zumba classes at the local recreation center

Coverage Features:

• Off Premises Coverage
• Loss of Business Income
• Limits available to $1 MIL for Liability and $100,000 for Business Personal Property
• Optional Coverage for Money & Securities
• Equipment Breakdown Coverage Available
• Coverage satisfies most show and event liability requirements
• Professional Errors & Omissions Sublimit for select classes INCLUDED in the basic rate
• Optional Additional Insured Coverage for grantor of franchises, mortgagee, lessor of leased equipment, and more...
• A.M. Best A++ Rated Company
• Written on Admitted Paper
• Quick turnaround time on submissions
• Superior Policy Issuance

Product Eligibility:

• Coverage for select home based businesses with up to $500,000 in Gross Annual Sales
• Businesses with no more than one employee (in addition to the owner)
• Businesses that are sole proprietorships, partnerships, LLC's, or corporations
• No more than two business related claims in the previous three years

Please click here for a complete list of Eligible Home Based Business Classes.

Please click here for an application.