Does homeowners insurance cover a home business?

Only in a limited way. Homeowners policies cap business property and generally exclude business liability, so a home-based business usually needs an endorsement or a separate business policy.

What insurance does a home-based business need?

It depends on the business: a homeowners endorsement for a small venture, a business owners policy for more substantial operations, and professional liability if you advise clients. We match it to what you do.

Do I need business insurance if clients come to my home?

Very likely. Client visits create liability your homeowners policy may exclude. Coverage for that exposure is worth setting up before clients are on site.

Insurance for a Home-Based Business

Starting a business at home? Your homeowners policy probably will not cover it.

Running a business from home creates exposures a homeowners policy was never meant to handle: business property, liability to clients, and sometimes professional risk. The fix is usually a small endorsement or a separate business policy, coordinated with your personal coverage.

Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.

Homeowners policies limit or exclude business activity, so a home-based business often has gaps for business equipment, client liability, and professional exposure. Depending on the business, the answer ranges from a homeowners endorsement to a business owners policy, and it should be coordinated with your personal coverage.

Where the gaps are

Homeowners policies cap business property and generally exclude business liability, so inventory, equipment, and a client slipping in your home office may not be covered. If clients visit, or you give professional advice, the exposure grows.

The right solution scales with the business: an endorsement for a small side venture, a business owners policy for something more substantial, and professional liability if you advise clients.

Coordinating personal and business

The cleanest setups keep personal and business coverage coordinated so nothing falls between them. This is also where a personal review naturally connects to our commercial and professional services sections.

Getting it right early avoids a denied claim later, when a business loss is treated as outside the homeowners policy.

Starting a business at home? Your homeowners policy probably will not cover it.

Where the gaps are

Coordinating personal and business

Common questions.

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Starting a business at home? Your homeowners policy probably will not cover it.