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Home-Based Business Product

Our Home-Based Business Product is designed for small, home-based businesses with exposures that are either limited or excluded by the ISO Homeowners Product. Specifically, our product offers 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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