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Home Based Business Insurance

If you operate a business from your home, one thing you must understand is that your homeowners insurance does not cover for liability arising out of the business, and provides little or no coverage for property used in the business.

Most insurance companies that offer commercial insurance have a program for small businesses, known as a business owners policy.  But they often have minimum premiums of $500 or more, even for a low volume business.  This is why Brown’s Insurance Agency offers specialized coverage for home based businesses.  Depending upon the type of business, premiums can be as low as $193 per year for general liability and property coverage.

If your business is in construction or contracting, call us at 1-877-835-1948 to request a quote, or fill out the contact request form here: Click Here for More Information!

If your home based business is on the list of eligible classes below, has $500,000 or less in sales, and you have one employee or none:

Click Here for your INSTANT QUOTE!


Classes of business eligible for instant quote:

Abstracting and indexing engraving personal fitness trainer
Accounting or bookkeeping entertainers- clowns magicians- no bands pet sitting
Administrative support expert witness consultant photographers
Advertising financial planner picture framing
Answering service flower arranging prepaid calling card vendor
Antiques/arts gallery/ shop food broker print broker
art supply dealer food supplements/ vitamins sales (not under your own label) printing
Auctioneer- away from premises fund raising service professional organizer
background check service furniture refinishing Professional speakers
bakery or cake making games puzzles sales Property managers-association management only
Balloon art genealogy service public relations consultant
Barber/beauty supply glassware sales publisher
barber/ beauty salon grant writing real estate office
billing service graphic artists registered agent
book/magazine distributor hearing aid sales religious goods sales
bookbinding hobby and model supplies resume service
cake decorating household product dist (tupperware, amway) rubber stamps
calligraphy human resources consultant scrapbooking
camera repair information search retrieval secretarial service
candle sales- not made by insured Insurance office shoe repair
Candy / nut sale Insurance inspectors sign making
car detailer insurance risk manager stationery or paper products
cell phone sales interior decorating – consultant only tailoring or dressmaking
ceramic workshop or studio interpreters statistical consultant
Claims adjuster/ appraiser/ public adjuster inventory control specialists stenciling
clock repair jewelry sales tax preparation
Clowns magicians entertainers – no bands kitchen & bath access sales taxidermist
compliance consultant ladies girls clothing accessories teachers/ tutors
computer repair leather goods telecomm consultant
computer sales lingerie telemarketing
cosmetic sales loan origination Television repair
cost containment consultant locksmith toner recharging
court reporter management consultant toy sales
crafts- excluding candles made by insured manufacturers reps training specialist/seminars
dance studio marketing consultant translator
database management medical billing/ claims processing travel agent
desktop publishing man’s boys clothing trophy sales
disc jockey models upholsterer
drafting mortgage field inspectors video editing
dressmaking or tailoring musical instrument sales and repair video and music sales/ rental
dry food mix vendor newspaper/magazine delivery watch or clock repair
editing or proofreading notary wedding and party planner
education consultant office supply sales wood furniture crafter
embroidery paralegal Wood products – excl toys
employment agency personal care products sales word processing
energy consultant writers or authors


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