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Insurance for Home-Based Businesses
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Recommended home-based business insurance policies
A lawsuit could devastate a small home-based business. Gain protection against business liabilities with the right policies for your unique risks.
General liability insurance
A general liability policy covers the basic risks of running a home office, including customer injuries. Commercial leases often require this insurance coverage.
BEST FOR
- Customer bodily injury
- Customer property damage
- Libel and other advertising injuries
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for individuals who work from home to buy general liability coverage and commercial property insurance together.
BEST FOR
- Customer injuries
- Customer property damage
- Business property coverage
Professional liability insurance
This policy covers lawsuits related to work performance, such as a dissatisfied bride suing a wedding planner for a mistake. It's also called errors and omissions insurance (E&O).
BEST FOR
- Mistakes and oversights
- Failure to deliver services
- Missed deadlines
Commercial auto insurance
A commercial auto policy covers property damage and medical bills for accidents involving company vehicles. Most states require it for business-owned vehicles.
BEST FOR
- Legal costs from auto accidents
- Vehicle theft and vandalism
- Weather damage
Workers’ compensation insurance
Most states require workers’ compensation for home businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Cyber liability insurance
Cyber liability insurance helps small business owners survive cyberattacks and data breaches. It's important for home businesses that handle credit cards and other sensitive data.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Data breach investigations
Looking for different coverage options? See more policies.
How much does insurance cost for home-based businesses?
Several factors have an impact on insurance costs, including:
- Home business services offered
- Business equipment and property
- Number of employees
- Types of coverage purchased
- Coverage limits and deductibles
Homeowner's insurance vs. business insurance
When you're running a business from home, you need the right type of insurance. A homeowner's policy might include minimal protection for business property, but you likely need commercial property insurance to gain full protection in the event of a fire or theft.
Similarly, your home insurance likely won't cover costs if someone visiting for business purposes slips and suffers an injury. For that, you need general liability insurance.
The best protection for home businesses is usually a business owner's policy, which bundles these two types of coverage at an affordable rate. Chat with an insurance agent to make sure your insurance matches your business needs.
Commercial auto insurance vs. personal auto insurance
As with a homeowner's insurance policy, your personal auto policy is not designed for business use. If you get into an accident while driving your own car for work purposes, your insurer might deny the claim.
That means you'll need additional coverage for vehicles used for work. If your business owns the vehicle, it must be covered by commercial auto insurance. For rented, leased, and personal vehicles, you can buy hired and non-owned auto insurance (HNOA) to make sure you're covered in an accident.
When you buy any type of auto coverage, make sure it fulfills your state's requirements for auto liability insurance.
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