BUY ONLINE NOW – NO PUSHY SALESMEN INCLUDED
You’ve worked hard to build your business. Your homeowners’ policy may not provide the important property and liability coverage you need to protect your business. The Home Business Policy offers you peace of mind when one of the following common events occurs.
Do you run a business out of your home or have a hobby that earns income? Two out of every three people who run a business or hobby out of the home do NOT have adequate insurance. Most homeowners policies are not designed to cover losses from the business. Consider the following that may not be covered by a
homeowners policy:
- A DJ at a birthday party has $4,500 of sound equipment stolen
- A photographer forgets to use the flash and misses most of the
pictures at the wedding reception. The bride and groom sue the
photographer for $15,000. - A representative for Pampered Chef has $2,700 of inventory in
their home. The inventory is destroyed when a fire damages the
home. - A teacher tutors children in math throughout the year. A student
trips and falls at the teacher’s home resulting in injuries. The
parents sue the teacher for $42,000. - A person sells crafts at regional craft shows throughout the year.
An attendee slips over the display and falls into the neighboring
booth. The attendee has $10,000 in injuries and the person in the
next booth has $3,500 in damaged inventory. - Claire has a table for her Rodan + Fields business at the local craft
fair. Someone stole some of her inventory while she had her back
turned. USLI would respond under the business personal property
off-premises limit. - A fire occurs at your home and damages your $7,500 LuLaRoe
inventory. Your homeowners policy will exclude coverage because
the inventory is business personal property, but a USLI policy
provides up to
- A customer or delivery person visiting your home slips and falls. Since the visitor was at your home for business purposes, the Home Business policy will provide the needed liability coverage excluded under your homeowners policy
- Your laptop is damaged by an electrical surge. The Home Business policy includes coverage for equipment breakdown for no additional charge
- Your inventory is damaged by a fire. The Home Business policy includes coverage for damaged business property as well as loss of business income
- You are working a trade show and someone trips and falls over your display, the Home Business policy will provide the liability protection you need. Your homeowner’s policy provides no coverage since this was a business event
Insurance for most home based businesses including Insurance for :
- Abstracting and indexing service
- Accounting Service
- Adjuster public or independent claims adjuster
- Administrative / office support services
- Advertising specialty items sales
- Answering service / voicemail
- Antique Gallery / shop
- Appraisal service non real estate
- Art gallery / Art Studio
- Artist supplies
- Association Management Services
- Auctioneer
- Auditor service
- Background checking / screening service
- Bakeries
- Balloon art
- Barbers
- Barber supplies
- Beauticians
- Beauty Supplies
- Billing service
- Book / magazine distributor
- Book binding
- Bookkeeping service
- Calligraphy
- Camera / photography sales or repair
- Candle sales comma sales of candles that are not made by an individual
- Candy slash nuts Confections
- Car detailer
- Cell phone / pager sales
- Ceramics
- Clock or watch repair
- Magicians, entertainers
- Coaching services
- Compliance consultant
- Computer repair
- Computer sales
- Computer Service Bureau
- Cosmetic sales Mary Kay Avon Etc
- Cost Containment consultant
- Court reporters
- Crafts
- Damage appraiser
- Dance instructors
- Database management
- Desktop publishing
- Disc jockeys
- Draftsman
- Dry food products slash mixes vendor
- Editorial service / proofreaders
- Educational consultant
- Embroidery
- Employment agency
- Energy Consultants
- Engraver
- Expediting service
- Expert witness Consultants
- Financial planning
- Floral arrangement
- Food broker
- Food supplements / vitamins
- Framing
- Fundraising services
- Furniture Refinishers
- Games slash puzzles vendors
- Genealogist
- Gift delivery service
- Gift shop
- Glassware
- Grant writing service
- Graphic artist / designer
- Handy crafts
- Hearing Aid sales
- Hobby and model supplies
- Household products
- Human resource consultant
- Information search retrieval
- Insurance agent
- Insurance inspector
- Insurance risk manager
- Interior decorating
- Interior window treatments
- Interpreters / translators
- Inventory control specialist
- Jewelry
- Kitchen supplies
- Ladies / girls clothing accessories
- Lingerie
- Leather goods
- Loan origination service
- Locksmith
- Management Consultant
- Marketing Consultant
- Market research
- Manufacturer’s representative
- Mediators
- Medical claims processing
- Men’s / boys clothing and accessories
- Models
- Monogramming
- Mortgage field inspector
- Musical instrument sales / repairs
- Newspaper / magazine / book delivery
- Notaries
- Office supplies vendors
- Office not otherwise classified
- Paper goods
- Paralegal
- Paid telephone provider
- Personal care products
- Personal fitness trainers
- Personal Image consultant
- Personalized books and gifts
- Pet sitters
- Photographer flash Photography Studio
- Glassware
- Grant writing service
- Graphic artist slash designer
- Handicrafts
- Hearing aid sales
- Hobby and model supplies
- Household products
- Human resource consultant
- Information search retrieval
- Insurance agent
- Insurance inspector
- Insurance risk manager
- Interior decorating
- Interior window treatments
- Interpreters / translators
- Inventory control specialists
- Jewelry
- Kitchen supplies
- Ladies / girls clothing accessories
- Lingerie
- Leather Goods
- Known origination service
- Locksmith
- Management consultant
- Marketing consultant
- Market research
- Manufacturers representative
- Mediators
- Medical claims processing
- Mens / boys clothing and accessories
- Models
- Monogramming
- Mortgage field inspector
- Musical instruments sales /repairs
- Newspaper/magazine/ book delivery
- Notaries
- Office supplies vendors
- Office not otherwise classified
- Paper goods
- Paralegal
- Pay telephone provider
- Personal care products
- Personal Fitness trainers
- Personal image consultants
- Personalized books and gifts
- Pet sitters
- {hotographer / photography studio
- Picture framing
- Print brokers
- Printer
- Professional organizer
- Professional speakers
- Public relations consultant
- Publisher
- Real estate agent
- Registered agent
- Religious goods
- Resume service
- Retail toy stores
- Rubber stamp business
- Scrapbooking
- Secretarial service
- Shoe repair
- Sign painting
- Stationary
- Statistical consultant
- Stenciling
- Tailoring Kama alterations Kama seamstresses
- Tax preparation
- Taxidermist
- Teacher / Tutor
- Telecommunications Consultants
- Telemarketing, telephone solicitation
- Toner cartridge recharging
- Training specialist / seminar conductor
- Transcribing court reporters
- Translator
- Travel agent
- Trophy sales
- TV VCR repair
- Upholsterer
- Video and music sales / rental
- Video taping dubbing editing
- Vinyl slash leather repair
- Wedding and party planners
- Wedding cake and or cookie sales
- Wooden furniture Crafters
- Wood products
- Word processing
- Writers / authors
