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Home Based Business Insurance

Do You Operate a Business Out of Your Home?

If YES, where is your coverage?

Fuller Insurance has the solution to the gap in your protection. We will provide you with a competitive Home Based Business Product designed for small home based businesses. Our product specifically offers liability coverage that is not currently available under Homeowners policies, as well as business personal property protection.

Is your home based business eligible for this coverage?

With so much invested in your home based business, make sure you have the right coverage to insure your unique exposures. You may be surprised to learn that your homeowners insurance does not provide the liability or property protection you need to protect your most important assets.

Operating a business from your home can be a rewarding and profitable experience. However, each day brings the possibility for a loss that could leave you, and your business, unprotected. Most homeowner’s policies are not designed to cover a business exposure in the home.

The typical homeowner’s policy provides minimal coverage for business property on and off premises and no liability coverage relating to business activities. Clients with home based businesses face many property and liability loss exposures and without proper coverage may have several coverage gaps by failing to purchase the Home Based Business Product policy. Let Fuller assist you with your unique insurance needs today!

Does Your Home Insurance Policy Protect You if...

Home-Based Business InsuranceHome Insurance
Your business laptop is stolen while you are travelingYesNo
A customer visiting your home slips and fallsYesNo
A fire at your home temporarily puts you out of business. Will your lost income and the additional expenses necessary to get back in business be covered?YesNo

Product Features

  • Liability coverage up to $1,000,000
  • Business Personal Property coverage up to $100,000
  • Off-Premises coverage
  • Loss of Business Income coverage
  • Optional coverage for Money and Securities
  • Equipment Breakdown coverage included in basic premiums
  • Professional Errors & Omissions sublimit of $25,000 for specified classes
  • Satisfies most show and event liability requirements
  • A.M. Best rated A++ carrier

Product Eligibility

  • Coverage for select home based businesses with up to $500,000 in Gross Annual Sales
  • Businesses with no more than one employee (in addition to the owner)
  • Businesses that are sole proprietorships, partnerships, LLC’s, or corporations
  • Optional Additional Insured Coverage for grantor of franchises, mortgagee, lessor of leased equipment, and more...
  • No more than two business related claims in the previous three (3) years

Why Consider Fuller’s Home Based Business Insurance Product?

  • You operate a small e-bay business and have an inventory of $7,500. A fire in your home destroys or damages your inventory. The Home Based Business policy will provide coverage up to your Business Personal Property limit.
  • A customer visiting your home for business slips and falls. Since the customer was at your home for business purposes the Home Based Business policy will provide the needed liability coverage excluded under your homeowners policy.
  • Your laptop is stolen while you are visiting a customer. The Home Based Business policy provides up to $5,000 to replace your laptop while away from the residence premises.
  • You are working a trade show and someone trips and falls over your display, the Home Based Business policy will provide the liability protection you need. Your homeowner’s policy provides no coverage since this was a business event.
  • Your Home Based Limited Liability Corporation suffers a power surge damaging your computer, telephone, and fax machine, but your homeowner’s policy provides no coverage since the property is owned by the LLC and not the homeowner. Your Home Based Business policy will replace the damaged equipment.
  • A fire at your home makes it uninhabitable and your home based business must be shut down. Your Home Based Business policy provides the needed lost income and additional expense coverage.
  • A power surge caused electrical damage to your home based bakery refrigeration system. The system failed and you sustained food spoilage, repairs to the refrigerator and one day lost income. Your Home Based Business policy provides the equipment breakdown and business income coverage you need.

Let Fuller Insurance help you protect what you own!
Call us for a quote today!