Insurance for Home-Based Businesses
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General liability insurance for home-based businesses

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General liability insurance

General liability insurance covers common business risks like customer injury, customer property damage, and advertising injury. It protects your small business from the high costs of lawsuits and helps you qualify for leases and contracts.

General liability covers common home-based business risks

General liability insurance is often the first policy purchased by owners of home-based businesses. From client injuries to claims of libel, slander, or copyright infringement, this policy covers the most common liability risks for individuals who work from home.

This policy provides liability coverage related to:

  • Customer injuries
  • Customer property damage
  • Advertising injuries

Bundle policies to save money and increase security

If you run a small home-based business, you may be able to bundle general liability insurance with commercial property insurance in a business owner’s policy. A BOP costs less than purchasing each policy separately. Businesses that are eligible for a BOP typically:

  • Have fewer than 100 employees
  • Have a small office or workplace
  • Make less than $1 million in annual revenue
  • Operate in a low-risk industry
  • Need less than 12 months of business interruption insurance

Talk to a licensed Insureon agent to find out if a BOP fits your home business.

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What coverage can general liability provide for home-based companies?

Customer injuries

If a client or delivery person gets hurt at your home office, there’s a chance you could be blamed for the injury. If the person files a lawsuit, you could end up paying for medical expenses, along with the cost of hiring a lawyer. General liability insurance pays for:

  • Medical bills
  • Attorney’s fees
  • Judgments and settlements
  • Funeral expenses in fatal incidents

Customer property damage

General liability insurance shields your home-based business in the event that customer property is damaged. It does this by covering the cost of repair or replacement. If a customer files a lawsuit, it can also help pay legal expenses.

For example, if a performer loses control of a torch during a juggling show and accidentally burns down a client’s storage shed, this policy can cover the cost of replacing the shed. It could also pay the cost of hiring a lawyer if the client sues.

Advertising injuries

While advertising your home-based company and its services, your business may be vulnerable to advertising injury lawsuits. General liability insurance covers:

  • Defamation, both libel (written) and slander (spoken)
  • Copyright infringement

For example, this policy could protect a DJ who unwittingly copied a competitor’s logo. It could also protect a wedding planner sued for libel over a negative comment posted on a competitor’s social media page.

Other policies for home-based business owners

While general liability insurance covers many common risks, it does not provide complete protection. Damage to business property or a work error can impact any home-based business. Other important insurance policies to consider include:

Business owner’s policy: A BOP bundles general liability insurance with commercial property insurance, typically at a lower rate than if the policies were purchased separately.

Professional liability insurance: Also known as errors and omissions insurance (E&O), this policy covers legal expenses related to professional mistakes, such as failing to ship an order.

Get free quotes and buy online with Insureon

Are you ready to safeguard your home-based business with general liability insurance? Complete Insureon’s easy online application today. Once you find the right policy, you can begin coverage in less than 24 hours.

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