Business activities & property are excluded on most Homeowners policies
Business activities & property which are excluded on Homeowners policies include:
- General Liability (CGL)- accidents or injuries to visitors, guests & customers
- Property damage to personal or business property; both on and off-site
- Professional Liability of any kind
- Business computers, furniture, fixtures, equipment
- Inventory, office supplies & equipment, valuable papers & money
Without the right coverage, your business could be financially responsible for property damage, lawsuits, employee injuries, or
issues related to data loss.
Get the proper protection and security you need for your home-based IT & Consulting business today!
Get Covered NOW
Solutions for your Home-Based business may include:
Commercial General Liability (CGL) Policy – If you don't have inventory or equipment in your home or at
offsite locations, you might want basic coverage with a general liability only policy. This will protect you if you’re sued for
negligence, personal injury or a faulty product.
Business Owner’s Policy – Helps cover structures on your property - where your home-based business
operates. This policy can also cover damage to inventory or loss of business income if your home is damaged by fire or high winds. A standard
Business Owner’s policy combines property and liability coverage.
Business Owner’s Policy with Endorsements – You can tailor your Business Owner’s policy with
added endorsements like Data Breach for example, if your business stores personal information about customers or employees. Add Optional
Business Income for Off Premises Utility Services (OPUS) coverage to help cover a loss of business income resulting from an
interruption in utility services.
Internet Failures, Cybercrime, Natural Disasters (even distant), Power Outages & Outside System failures causing interruption
to you & your client’s operations? We can cover the Loss of Your Business Income. Click Here for