Home Based Business

COVERAGE DESCRIPTION: Coverage may be extended to provide for property and liability protection when a business is operated from your home. Eligibility may include a variety of business types, including incidental farming operations. Without this coverage, there is no liability protection and generally only up to $2,500 of business contents.

IS THIS OPTION RIGHT FOR YOU? A homeowner’s insurance policy excludes liability coverage for your business activities and only a limited amount of property coverage.

CLAIM EXAMPLE: When a fire occurred to the insured’s home where they also ran a small bookkeeping operation, a properly structured homeowners policy provided coverage for their $20,000 of business contents and their income loss of another $12,000.