Home-Based Business Product

We provide access to a Home-Based Business Product which is designed for small, home-based businesses with exposures that are either limited or excluded by the ISO Homeowners Product. Specifically, this product offers a type of liability coverage that is not currently available under the ISO Homeowners policy, as well as business personal property protection above the ISO form’s $2,500 property limitation.

Product Features
  • Liability coverage up to $1,000,000
  • Business Personal Property coverage up to $100,000
  • Off-Premises coverage
  • Loss of Business Income coverage
  • Optional coverage for Money and Securities
  • Equipment Breakdown coverage included in the basic premium
  • Professional Errors & Omissions sublimit of $25,000 for specified classes
  • Satisfies most show and event liability requirements
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 or LLC’s
  • Optional Additional Insured Coverage for grantor of franchises, mortgagee, lessor of leased equipment and more
  • No more than two business related claims in the previous three (3) years

This listing is not intended to be an all-encompassing record of capabilities, products or services, but merely a guide for representational purposes only.

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