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.