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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