Never overpay for insurance again!
We will search the top carriers for you for the best offer.
The lowest insurance prices in the United States!
Home Business Insurance: Complete Protection for Your Home-Based Business
Operating a business from home? Standard homeowners insurance won’t cover your business risks. Here’s what every U.S. entrepreneur needs to know about securing proper coverage.
Why Home Business Insurance is Essential
✔ Covers business equipment (computers, inventory)
✔ Protects against liability claims (client injuries)
✔ Safeguards income from business interruptions
✔ Required for many professional licenses and contracts
Critical Gap: 60% of home businesses are underinsured (Independent Insurance Agents & Brokers of America).
3 Must-Have Coverage Types
1. Business Owners Policy (BOP)
Combines property + liability insurance
Ideal for: Consultants, freelancers, online stores
2. Professional Liability Insurance
Covers errors in services (accountants, designers)
Average cost: 800−2,000/year
3. Cyber Liability Coverage
Essential for: E-commerce, data handlers
Protects against breaches and ransomware
Cost Breakdown
| Coverage Type | Typical Annual Premium |
|---|---|
| BOP | 750−1,500 |
| Professional Liability | 800−2,500 |
| Cyber Insurance | 1,000−3,000 |
Premiums vary by state, revenue, and risk factors.
How to Get the Right Policy
Inventory business assets (equipment value, data sensitivity)
Identify industry-specific risks (professional services vs product sales)
Work with a licensed agent to customize coverage
Review policies annually as your business evolves
Key Exclusions to Watch For
◼ Flood damage (requires separate policy)
◼ Intentional illegal acts
◼ Employee injuries (requires workers’ comp)
FAQs
Q: Does DoorDash/UberEats need special coverage?
A: Yes – food delivery requires commercial auto + liability riders.
Q: Are business insurance premiums tax-deductible?
A: Yes – IRS allows full deduction (Section 162).
Q: How quickly can claims be processed?
A: Most legitimate claims are settled within 30 days.
Your best insurance deal is just one step away. Fill out the form now and see how much you can save!
Related Posts
Get a Right Insurance For You
SHARE THIS ARTICLE
Insurance Quote
Send the request and we will quote multiple markets to get you the best coverage and price.
We will compare quotes from trusted carriers for you and provide you with the best offer.
Protecting your future with us
Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States.
