Home Based Business Frequently Asked Questions

Question: What are some of the policy features for RLI’s Home Based Business insurance?

Answer: Comprehensive coverage provided by RLI includes:

  • Liability limits up to $ 1 million
  • Satisfies most event or show liability requirements
  • $5,000 per person for medical payments
  • Business property protection up to $100,000. Theft included
  • Loss of income coverage
  • Optional coverage for money and securities
  • Optional electronic data processing coverage up to $25,000
  • $250 deductible on property losses
  • Premiums starting as low as $150 annually

Question: Is the coverage similar to a policy that a commercial business location might carry?

Answer: Yes. Your business location is your home.

Question: Is there a specific amount of business property I need to carry?

Answer: Your business property should be 100% of the replacement value.

Question: Does the business liability coverage extend beyond the boundary of my home?

Answer: Yes. It follows you and your business away from your home. It can be extended to an event that you may be attending.

Question: Does the liability include “professional liability”?

Answer: No. Professional Liability is excluded.

Question: Does the policy provide product liability and completed operations coverage?

Answer: Yes.

Business Insurance

30+ years business insurance experience gives us the ability to come up with solutions.

More >>

Auto Insurance

See what is new and better with auto insurance coverages.

More >>

Home Insurance

Discounts are the key to having the best rates available.

More >>

Business Insurance

Insurance Details

Auto Insurance

Insurance Details

Home Insurance

Insurance Details