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United States Liability Insurance Group

A Berkshire Hathaway Company

A++ Rating by A.M. Best

Coverage Provided By:

Why do you need a home based business insurance policy?



A customer visiting a beautician’s home for a haircut slips and falls. Since the customer is at the home for business, the Home Based Business policy provides the needed liability coverage excluded under the homeowners policy.

A fire at a home makes it uninhabitable and the home business is shut down. The Home Based Business policy provides the needed loss of income and additional expense coverage.

Your client’s home based LLC suffers a power surge damaging their computer, phone and fax. The homeowners policy denies coverage since the property is owned by the LLC. The Home Based Business policy replaces the damaged equipment.

What are the key features of the home based business insurance policy?

Business personal property coverage up to $100,000

Professional errors and omissions sublimit of $25,000 for most classes

Loss of business income available up to actual loss sustained

Equipment breakdown coverage included in the basic premium

Liability limits up to $1,000,000 including off premises coverage

Satisfies most show and event liability requirements

Minimum premiums starting at $159 per year

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