In-Home Business Insurance

DID YOU KNOW:

• If a fire damages office equipment in your home, it's NOT fully covered?
• If you are sued over a business-related activity, it's NOT covered?
• If a business credit card is stolen or an electrical surge wipes out accounting records, it's NOT covered?

There are millions of home-based entrepreneurs like you, who may think their business resources are protected by their standard homeowners policy.  However, the standard homeowners policy provides only a limited amount of coverage for business-related exposures.

The Protection You Need for Your Home-based Business:

Business Equipment

Coverage for the equipement and supplies you use in your business, including your:

• personal computer
• fax machine
• office furniture
• office supplies

Most of these items are covered on a replacement cost basis, which means you'll be reimbursed for the full purchase price of the item, if repair or restoration is not possible.  And, these items are covered anywhere in the world.

Computer Data/Records

Your important customer records, accounts receivables, business plans - all of these valuable items are covered.

Loss of Income

If you must cease operations due to a covered loss, your lost business income is protected for up to 12 months following the loss.  Also, any extra expenses you insur to resume or maintain operations will be covered.

Property in Your Care

Any property of others in your care, as part of your business operations, is covered.  This coverage applies whether property is on or off your premises.

Liability Protection

You're covered for your liability to others as a result of business operations. This applies whether business is conducted on or off your premises.

Personal Injury or Advertising Injury protection.

Coverage for losses resulting from libel, slander, defamation of character, or other related injury.

Products/Completed Operations Hazard Coverage.

Coverage is included for bodily injury or propery damage arising from products of the business or work performed by the business.

The Home Base Business Endorsement can be added directly to your homeowners policy or some companies use a low cost, separate policy.

We have some of the best companies available that offer In-Home Business insurance:

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