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United States Liability Insurance Group

A Berkshire Hathaway Company

A++ Rating by A.M. Best


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Home Business Insurance Quote

Did you know that one in every eight households in the U.S. operates a home based business? In the past 20 years, the number of home based businesses has grown from 6 million to 59 million. Driven by the downturn in the economy, this number continues to grow at a staggering rate.

It is estimated that 58 percent of these businesses have inadequate insurance or no insurance at all. While many look to their homeowners policies for coverage, most homeowners policies offer very limited business personal property coverage and no off premises coverage. In addition, many homeowners policies will not cover the home business under any circumstances because the business name is different from the named insured on the policy. So how do home based business owners protect themselves? Get a USLI Home Based Business policy.

The USLI Home Based Business policy provides an opportunity for you to to get this valuable protection. Purchasing a separate Home Based Business policy also helps you avoid submitting business-related claims to your homeowners carrier that could result in a rate increase or even a non-renewal.

Our product is designed for businesses with up to one employee and up to $500,000 in gross annual sales. Examples of classes where we have been particularly successful are:

 AMWAY, AVON, CHLOE+ISABEL, COOKIE LEE, CREATIVE MEMORIES, DOTERRA, EVER SKINCARE, HERBALIFE, JAMBERRY, LIP INK INTERNATIONAL, LULAROE, MARY KAY, NEFFUL USA, NU SKIN, PREMIER DESIGNS, PURE ROMANCE, PURSE PARTY, RODAN+FIELDS, SILPADA, STELLA+DOT, TASTEFULLY SIMPLE, PAMPERED CHEF, THIRTY-ONE GIFTS, TUPPERWARE, YOUNG LIVING.

We currently have 157 eligible classes of business.

Because there is more at stake than just your business.

     -----Minimum premium of $159

     -----Liability limits up to $1 Million

     -----Business personal property up to $100,000

     -----Equipment breakdown coverage up to $100,000

     -----Business income and extra expenses coverage

     -----A++ A.M. Best rated company

     -----Payment plans available

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The following risks are not eligible:

  

1.  More than one employee.

2.  More than $500,000 in gross annual sales.

3.  More than 2 losses or claims in the past 3 years.

4.  Businesses not located at your primary residence.

5.  Any insured who does not carry a homeowners insurance policy.

6.  Any business not on the eligible classes list.



Currently available in the following states:

AZ, CA, CT, DE, FL, MA, MI, NH, NJ, NY, PA, RI, TX, VA

1-866-886-7681