Insuring a Home-Based Business


You may have never considered writing a policy for a home-based business, but the potential is enormous. It is estimated, that one in six households has some form of business exposure. Most of these business owners believe their homeowners policy is adequate for their insurance. This is not so. Homeowners policies have an absolute business liability exclusion, and low limits on business personal property. Whether it's inventory destroyed in a fire, or a customer falling on premises, the USLI home-based business product is what the customer needs. This product can be quoted online , by phone at 866-712-6781, or by application.

Key Highlights

  • Liability limits $1/$2M
  • BPP included at $5,000 (can be increased to $100,000)
  • Business income automatically included (35% based on BPP amount)
  • Professional liability included at $25K (for most classes)
  • Average premium is $300

Want more information? Watch this previously recorded webinar:

Example Eligible Classes:

  • Accounting service
  • Computer repair
  • Dance instructor
  • Disc jockey
  • Photographer
  • Many, many more!

Direct Seller Classes (including but not limited to)

Claims Examples

Start your quote here!

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