Home Based Business Insurance

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Get the Coverage You Need To Protect Your Home-Based Business

If you run your business from home, do you have the right insurance coverage to protect your home-based business? Homeowner's insurance protects your home, but it won't cover your business. 
That's where business insurance steps in, helping protect your business' property, including:
 
  • Technology
  • Files
  • Professional equipment
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Does My Insurer Need to Know if My Business is Home-based?

Using your home for activities that your homeowner’s insurer isn’t aware of is risky. And it can even cause your coverage to be canceled. A lot of people don’t realize you should contact your insurance company if you’re starting to run a home-based business. Not doing so can put both your home and business at risk.

Do I Need Home Business Insurance?

Business insurance for home based businesses is essential. It can cover unforeseen costs that might be incurred by a business.  Without it, a company might have to pay out of pocket costs associated with:
 
  • Property damage
  • Legal fees
  • Lost business income
  • Data breaches

Flexible Coverage for Home-Based Businesses – Small and Large

Home based businesses can range from small consulting practices to larger retail operations. That’s why The Hartford offers a range of coverage options. These options can help serve the needs of any home-based business in a cost-effective way.

Home Business Insurance Solutions From The Hartford

General liability insurance helps protect you if you’re sued for a variety of reasons. These can include negligence, personal injury or a faulty product. If you don’t have inventory or equipment in your home or at off-site locations, you may want a basic general liability policy.
A business owner’s policy (BOP) helps cover structures on your property where your home based business operates. It can also help cover damage to inventory or loss of income if your home suffers damages. For instance, say your home gets damaged by fire or high winds. Your business owner’s policy can help cover damages to your business’ property. Keep in mind that a standard business owner’s policy combines property and liability coverage for your business.
A business owner’s policy (BOP) allows you to tailor your business owner’s policy with endorsements, including:
 
  • Expansion of contractors
  • Business income for essential personnel and off premises utility services 
  • Electronic data
  • Interruption of computer operations
Cyber liability insurance or Data Breach Insurance can help protect your business for technology-related risks such as a breach of personally identifiable information.
Commercial umbrella insurance helps extend the limits of certain liability policies, like your general liability insurance and commercial auto insurance policies. So, if you have a commercial auto insurance policy from another insurer, we can help give you an additional layer of protection and extend its limit. Keep in mind that this is different than excess liability insurance. 
Professional liability insurance, also called errors and omissions insurance, may help cover your legal costs if your business is sued. This liability coverage could help protect your business if a customer claims that you were negligent in the professional services you provided.

Examples of Businesses That May Need Home Based Business Insurance

If you’re a business consultant that operates out of a home office, it’s likely that it houses business equipment, such as computers and software. You also likely have client files and legal documents even though most of your business takes place online or at customer locations. That said, say your home gets damaged from a weather event, a power surge, or other activities. Or perhaps sensitive data is infected with a virus or other malware.  Your home-based business insurance may help cover your claim.
If you’re in the technology service business, you likely work with customer data.  Sensitive client data can become infected with a virus or other malware, resulting in various data exposures that could financially harm your business.  A home-based business insurance policy can give you many options to ensure your business is protected.
If you provide professional services to your customers and clients, you could be exposed to customer claims.  A home-based insurance policy can you give you coverage options that protect your business against claims of professional negligence.
Home-Based Business Insurance video

Home Based Business

Watch this short video learn more about what kind of coverage your home based business may need.

Why Choose The Hartford for Home Based Business Insurance?

  • If a client requires you to cover additional people on your liability policy, The Hartford can help you add them through additional insured endorsements.
  • If you have employees, your coverage could include up to $25,000 worth of employment practices liability insurance.1 This could help protect your livelihood. For instance, say a worker tries to sue you for employment-related claims. These types of claims include discrimination, harassment, wrongful termination and more. It doesn’t matter if the employee works in your home or elsewhere.
  • Your business could lose income if operations get suspended due to a covered property loss. The Hartford’s Business Owner’s Policy includes business income coverage which can help replace lost income so you can continue to meet ongoing expenses like rent, mortgage or payroll.

Get Home Based Business Insurance

The Hartford makes it easy to get a home based business insurance quote. Contact one of our specialists today at 855-829-1683 to discuss business insurance solutions.
 
 
Last Updated: March 28, 2024
 
1 Coverage may not be available for certain classes of business and is not available in some states.
 
Additional disclosures below.
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Other Business Coverages

We offer insurance coverages for companies of all sizes – large and small.
 
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The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Legal Notice.
 
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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