Home-based business insurance

Protection to keep your home business running.

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What is home-based business insurance?

Home-based business insurance is an add-on to your home insurance policy, whether that’s a house, condo, or a rented unit.

Why add home-based business coverage?

Regular home insurance protects your home, personal property and liability in case of accidents to your visiting customers or clients. Adding home-based business coverage to a home policy helps insure things like your inventory or business expenses if your home is damaged.

Business property

If there’s any damage to your business inventory in your home, we’ll cover the costs up to $30,000 (and up to $7,500 if it’s away from home, like at a trade show or conference)

Loss of money

We’ll replace up to $1,000 for any cash that is damaged, lost or stolen.

Continuation coverage

If you need to move your business during an insured loss, we’ll provide up to $10,000 to help keep your business running

Included coverage in your home policy

Protection through your home policy includes coverage for both work and life. Explore full coverage details here.

Damage coverage

Protect your home from damage such as fire or hail, and basic water damage like a leak from a pipe.

Personal items

Cover the costs of replacing any of your items that get damaged or stolen like furniture, computers or bikes.

Liability coverage

Cover accidental damage to property not owned by you or unintentional injury to anyone in your home, like a customer or client.

We strongly recommend adding home-based business insurance if you run a business out of your home, especially if you have customers or clients who visit your home. Here are some examples of home-based businesses that would benefit from this insurance option:

Professional services: accountants, administrative assistants, bookkeepers
Arts-related: art teachers, music teachers, writers
Retail sales: cosmetics, craft supplies, vitamins, gifts
Personal services: hairstylists, pet grooming, childcare, tutors

Home-based business insurance is available as an add-on of regular home insurance, which will offer coverage for your home itself.

Yes — we need to know if you run a business from your home. If you’re not sure what kind of coverage is right for you and your business, talk to your financial representative for more information.

Ready to get a quote?

It only takes a few minutes to get your personalized quote for home-based business insurance. Find a financial representative now or call 1‑877‑545‑2667.

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