Looking for Home-Based Business Insurance?
Protect your home-based business from liability claims, equipment damage, client injuries, and professional errors. Harper provides coverage for consultants, freelancers, online businesses, and home-office professionals with fast proof for clients and contracts.
What is Home-Based Business Insurance?
Home-based business insurance protects entrepreneurs operating from their residence against risks not covered by standard homeowners policies. These risks include client injuries, professional errors, equipment damage, and business liability claims. Coverage typically includes business personal property, general liability, and professional liability. Because homeowners insurance excludes most business activities, separate business coverage is essential to avoid costly gaps in protection.
Business Property Coverage
Covers business equipment, computers, inventory, tools, and supplies stored or used within your home.
General Liability Protection
Protects against claims arising from client injuries or property damage occurring at your home office or during business operations.
Professional Liability (E&O)
Covers claims related to errors, omissions, missed deadlines, or negligent professional services.
Cyber Liability (Optional)
Protects online businesses against data breaches, hacking, and customer information exposure.
Certificates
Fast proof of insurance for clients, contracts, platforms, and business partners.
Who Needs Home-Based Business Insurance?
- Home-based consultants : Businesses requiring specialized insurance coverage
- Freelancers and independent professionals : Businesses requiring specialized insurance coverage
- Online business owners : Businesses requiring specialized insurance coverage
- Home-based product and craft businesses : Businesses requiring specialized insurance coverage
Why Harper?
Home Business Coverage Expertise
Harper understands the unique risks of operating a business from home, including homeowner policy exclusions, client interactions, and professional liability exposure.
Fast Proof for Client Contracts
Corporate clients and platforms often require insurance before engagement. Harper delivers certificates quickly to keep contracts moving.
Clear, Practical Guidance
We explain how business property, liability, and professional coverage work together so you know exactly what is, and isn’t, covered.
Coverage Tailored to Your Work
Whether you consult, freelance, sell online, or produce goods at home, coverage is matched to your business model.
Frequently Asked Questions
What insurance do home-based businesses need?
Most home businesses need business personal property coverage for equipment, general liability for client injuries, and professional liability if providing services. Online businesses may also need cyber liability.
Is home business insurance required?
Clients and contracts often require proof of liability coverage. Homeowners insurance excludes business activities, making separate coverage necessary even if not legally required.
How much does home-based business insurance cost?
Most home businesses pay $300–$1,200 annually, depending on revenue, services provided, and equipment value.
Does homeowners insurance cover business activities?
No. Homeowners policies typically exclude business liability, professional services, and business equipment. Separate business insurance is essential.
Does insurance cover client injuries at my home?
Yes. General liability covers client injuries at your home office when reasonable safety measures are in place.
Can I add clients as additional insureds?
Yes. Service contracts may require adding clients as additional insureds. Harper handles certificates and endorsements.