Home-Based Business Insurance



Home HQ

Introducing HomeHQ by PolicySweet! HomeHQSM  is designed specifically with home-based businesses in mind. If you operate a business out of your home, you may need a home-based business insurance policy.



HomeHQ: Insurance for Home-Based Businesses



HomeHQ could provide coverage for business liabilities that a homeowners or renters policy does not typically cover. HomeHQ coverage includes:


Business Liability Insurance:

It may protect against third-party bodily injury, associated medical costs, and legal claims filed against your business.

Business Property Insurance:

It could protect your business from loss due to fire, wind, and more. Property liability insurance replaces business property caused by a covered loss.

Business Stock Insurance:

It may cover the cost of replacing business inventory or merchandise in the event that it is lost, stolen, or damaged.

How Much Does Home Business Insurance Cost?

Utilize our free cost estimate calculator to determine what home-based business coverage could cost:



How Do I Insure My Home-Based Business:

Ready to protect your at home business? HomeHQ is exclusively made for home-based businesses. You could get a quote in minutes and insure your business as soon as tomorrow.

COVERAGE STARTS AT $150




See What Our Customers Are Saying:




Reasons to Obtain Home-Based Business Insurance:

Are you an entrepreneur that runs a business from your home? At home businesses should consider obtaining a home-based business insurance policy for several reasons, including:

If Customer or Client Visit Your Home Office

Do you conduct in-person business meetings from your home office or have customers regularly visit your home business? A HomeHQ policy could protect your business from lawsuits involving third-party injuries that occur while conducting business at your home-based office. Without home business insurance, your company could be liable for out-of-pocket costs of a claim.

If Your Business Operates from a Mobile Space

HomeHQ by PolicySweet could provide coverage for businesses that operate from a mobile space like a kiosk or cart as long as business operations are primarily run from the location of a home. This could include businesses like a DJ, pet walking service, and coffee cart company.

If Your Business Equipment Needs to Be Protected

If your business owns tools or equipment in your home, it may be covered by a HomeHQ policy. If you would not be able to afford the cost to repair or replace equipment that your business relies on for work, you may want to consider HomeHQ coverage.

If Your Business Carries Inventory

You may want to consider HomeHQ coverage if your business is dependent upon physical products. If a covered loss impacted the stock of the business, the cost to replace it could be covered by a HomeHQ policy.



HomeHQ FAQs



Home Based Business Articles:

8 Businesses to Consider Starting from Home

Woman working in home office

Have you ever thought about starting your own business? With advancements in technology and having a more connected world than ever before, it is becoming easier to pursue entrepreneurship and to have a business headquartered from your home.

You may be wondering what type of business to consider. With so many home-based business ideas out there, it can be hard to choose the best business idea for you.

Read on as we look at some great businesses to start from home that could allow you to take your first step in becoming your own boss.

1. Yard Maintenance

Looking after your yard can feel like a full-time job. The good news is that looking after someone else's yard can be a real full-time job if you want it to be.

Many people just do not have the time or inclination to keep their lawn or yard the way they would like it. Setting up a yard maintenance business means you are never likely to be short of clients.

There will be some initial start-up costs as you will need to make sure you have all the right equipment, but since you can run this business from home, overheads should not be too high.

2. Music Lessons

If you can play an instrument, then you have a skill that many people would like to have.

Teaching others is a great way to make money from something you love doing. The beauty of music teaching is that you can do it from your own home, or travel to the homes of your students.

It is also possible to offer music lessons online. You can even make additional money from clients by selling musical instruments.

Teaching is a different skill from playing and you will need a lot of patience, but good music teachers are in high demand.

3. Virtual Personal Assistant

A virtual assistant is exactly what it sounds like; an assistant who offers their services virtually rather than working in an office. If you have got experience as a personal assistant, then all you need to do is set up a website, decide how much you are going to charge, and start looking for clients.

You will need to take a look at the market to make sure that your rates are competitive, but this is a job that allows you to work from home doing a job you already know.

4. Tutoring

Are you a teacher or do you have expertise in a particular classroom subject?

If so, then tutoring is another great business you can do right from home. There are plenty of parents out there that are willing to pay for a little additional support in certain subjects for their children or to help them prepare for exams.

The best part is that you can decide whether you want to offer face-to-face tutoring or offer tutoring via services such as Zoom. This can make the job even more convenient.

5. Freelance Writer

Ever wonder who writes all the content that you find on the internet? Somebody must do it, right?

Well then, why not you? Becoming a freelance writer is a great way to make money from the comfort of your own home. It also allows you to work to your own schedule too.

If you have expertise in a particular niche, such as marketing, you can always find plenty of businesses that are looking for someone to write great content. There are also plenty of companies that are looking for general copywriters which saves you the trouble of having to try and find the clients yourself.

6. Pet Sitting

Do you love animals? If so, pet sitting could be a great home-based business idea.

Pet owners who spend most of the day away from home are always looking for people to take care of their pets. The beauty is that you can sit for several pets at once allowing you to make some serious money. Just be careful not to take on too much, as your business lives or dies by your reputation.

7. Resume Writing

If you have great writing and editing skills, you can get paid to put your skills to work for other people. Individuals are willing to pay good money for a well tailored resume and cover letter as it may allow them to land a higher paying job or get noticed by a potential employer.

The best part is that if you already own a computer and the right software, your start-up costs are minimal.

8. Baking

Do you have a passion for baking? Setting up a home bakery business* is an approachable business idea because you may already have most of the equipment and expertise to get started.

If you already love to bake, it may be worth considering making a profit from this hobby. It can also be rewarding to see how much customers enjoy your recipes.

Are You Tempted by Any of These Businesses to Start from Home?

Are you tempted by any of the ideas in this list? If so, we say go for it!**

If none of these ideas float your boat, then do not worry. These are just some of the potential businesses to start from home. There are plenty of other ways to start a business at home doing something you love. All you need is the motivation and the willingness to give it a try.

If you are looking to start your own business, then you will want to be sure you have the proper insurance. PolicySweet® specializes in providing the right insurance for small businesses.

Our HomeHQSM coverage is made for home-based businesses or businesses that primarily operate from their home. It combines multiple policies together into one convenient package, providing business owners with comprehensive coverage for their at-home business. HomeHQ can be customized to your business so that you do not need to pay for coverage that you do not need.

Get a Quote for HomeHQ Now >


*With any home-based business operation, we advise you to check local laws and certification requirements including but not limited to zoning and health regulations.

**Starting a business may involve a risk of loss. Do your own due diligence, as well as consult professional advisors beforehand.