Home Based Business Insurance Policy

Center West Insurance Agency knows Home Based Businesses and the small business entrepreneur.  We have been providing innovative insurance coverage for the past 15+ years to Americans who have Home Based Businesses. The internet has provided a means to advertise businesses that are home based. Web sites have become the marketing tool for the success of Home Based Business. 200,000+ craft show, festivals and events in America have provided another venue to success for the Home Based Business.

The Problem

According to the Home Office Association of America, 30 million Americans now work from home.  Another study found that most of Home Based Business are not properly insured.  Homeowner and Renters Insurance policies - even those that are endorsed to provide some business related coverage - contain exclusions or limitations of coverage that can leave even small businesses vulnerable to the financial risks of inadequate or non-existent insurance. "Regular" business insurance packages are often too costly or restrictive to be a viable solution.  Just because you have a Home Based Business does not mean that you are "safe" from losses you would encounter if you had a business location on Main Street USA...there is a solution.

The Solution

Center West Insurance Agency is an Agent for RLI Insurance Company's Home Based Business Insurance Program (HBP). This policy is specifically designed for Home Based Businesses. For an affordable annual premium, as low as $150 in many areas, you can receive comprehensive protection for your Home Based Business just as if you were located on Main Street USA. Notice these highlights of the HBP program:

  • Comprehensive coverage for Business Personal Property, with Theft coverage included. Limits up to $50,000 available.
  • Up to $1,000,000 in Business Liability protection.
  • Theft coverage "away from premises."
  • A standard $250 deductible.
  • Up to $5,000 per person for immediate medical payments to anyone injured on your premises.
  • Coverage for loss of business income.
  • Minimal underwriting restrictions.

To see if your home-based business may qualify for an In-Home Business Policy, please scroll through the list of eligible businesses below:

Clothing business

  • Embroidery
  • Ladies/girls clothing
  • Lingerie
  • Leather goods
  • Mens /boys clothing
  • Monogramming
  • Shoe repair
  • Tailoring, alterations, seamstress

Food & Vitamins

  • Bakeries
  • Beverage vendor
  • Candy/nut confections
  • Dessert vendor
  • Dry food products/mixes vendor
  • Food broker
  • Food/product demonstrator
  • Food supplements/vitamins
  • Hot dog/pretzel vendor
  • Wedding cake and/or cookie sales

Other wholesale and retail sales of products made by others

  • Advertising specialty items sales
  • Antique gallery/shop
  • Artist supplies
  • Barber supplies
  • Beauty supplies
  • Book/magazine distributor
  • Camera/photography sales or repair
  • Candle sales
  • Cell phone/pager sales
  • Computer sales
  • Cosmetic sales
  • Games/puzzles vendor
  • Gift shop
  • Hobby & model supplies
  • Household products
  • Interior window treatments
  • Jewelry (costume)
  • Kitchen supplies
  • Musical instrument sales/repair
  • Office supplies vendor
  • Paper goods
  • Personal care products
  • Pet accessories
  • Religious goods
  • Retail store NOC
  • Retail toy sales
  • Seed sales
  • Stationery

Sales of services provided by others

  • Energy provider
  • Prepaid calling card vendor

Business that make non-food products including crafts

  • Calligraphy
  • Ceramics
  • Crafter
  • Engraver
  • Furniture refinisher
  • Glassware
  • Handicrafts
  • Jewelry (costume)
  • Leather goods
  • Wooden furniture crafters
  • Wood products

Authors, Educators, Entertainers and Models

  • Clown, magician, entertainer
  • Dance instructor
  • DJ
  • Model
  • Professional speaker
  • Publisher
  • Teacher/tutor
  • Writer/author

Automotive Services

  • Car detailer
  • Manufacture’s representative (AMSOIL)
  • Vinyl/leather repair
  • Vinyl lettering
  • Windshield repair

Computer Services

  • Computer consultants and trainers
  • Computer repair
  • Computer service bureau
  • Database management
  • Website designer

Photography Services

  • Camera/ photography sales or repair
  • Photographer/photography studio
  • Picture framing

Professional Services

  • Insurance Agent
  • Hearing aid sales
  • Real estate agent
  • Residential inspection services

Home Office Services

  • Abstracting and indexing
  • Accounting
  • Billing Service
  • Bookkeeping Service
  • Calligraphy
  • Database management
  • Desktop publishing
  • Draftsman
  • Editorial service/proofreader
  • Graphic artist/designer
  • Information search retrieval
  • Office NOC
  • Secretarial service
  • Tax preparation
  • Telephone answering service/voicemail
  • Telemarketing, telephone solicitation
  • Word processing

Other Business Services

  • Adjuster (public or independent claim adjuster)
  • Appraisal service
  • Auctioneer
  • Auditor
  • Expert witness consultant
  • Financial planner
  • Inventory control specialist
  • Loan origination service
  • Medical claims processing
  • Market research
  • Notary
  • Printer
  • Rubber stamp business

Personal & Home Services

  • Barber
  • Beautician
  • Personal fitness trainer
  • Personal image consultant
  • Pet sitter
  • Plant care and sales
  • Professional organizer
  • Resume service
  • Wedding &party planner

Decorative & Floral Services

  • Balloon art
  • Floral arrangement
  • Interior decoration
  • Interior window treatments

Other Services

  • Bookbinding
  • Clock or watch repair
  • Engraver
  • Furniture refinisher
  • Genealogist
  • Gift delivery service
  • Locksmith
  • Musical instrument sales/repair
  • Newspaper/magazine/book delivery
  • Pay telephone provider
  • Personalized books & gifts
  • Picture framing
  • Printer
  • Residential inspection service
  • Scrapbooking
  • Sign painting
  • Stenciling
  • Taxidermist
  • Toner cartridge recharging
  • Transcribing, court reporters
  • Translator
  • Travel agent
  • Trophy sales
  • TV & music related equipment repair
  • Upholsterer
  • Video & music sales/rental
  • Videotaping, dubbing, editing
  • Vinyl/leather repair
  • Beverage vendor
  • Dessert vendor
  • DJ
  • Energy provider
  • Plant care and sales
  • Food/product demonstrator
  • Hot dog/pretzel vendor
  • Pet accessories
  • Vinyl lettering

If your in-home business fits one of the above categories and you would like a premium quotation, please contact us.

CALIFORNIA AGENTS:  If you are a California licensed property-agent and would like to offer this program to your clients, click on our Agents button to request a Producer Kit.

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