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Home-Based Business Insurance

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Coverage to help protect your at-home business assets.


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



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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.



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Insure Your At-Home Business: Tips for Small Businesses

Woman working from home

Are you running a small business from an at-home office? Before 2020, about 50% of all small businesses in the U.S. have operated from a home. This has been an unchanged number for the past decade, at least.

Something else surprising? Many small-business owners think personal insurance is "good enough" for business claims. Personal insurance such as homeowner's or renter's insurance may not be able to protect your business assets from liabilities.

Need help insuring a home-based office for your small business? Keep reading for tips about getting coverage for your home-based business.

Small Business Office Woes

Whether your office is based in your home or not, it is important to prepare for anything that could come your way. At least 40% of businesses will fail following a disaster.

Getting properly insured would be the best way to combat this. Should a disaster, manmade or not, come along, you need a game plan.

Home business insurance can help to protect against several incidents, including:

  • Client injuries while doing business in your home
  • Accidents that occur while doing business at a client's home or office
  • Business equipment breakdown
  • Expenses to replace business inventory due to a covered loss

How to Solve At-Home Business Issues

One way to solve these issues is to obtain HomeHQSM coverage. HomeHQ is a type of home-based business insurance created by PolicySweet®. It is designed specifically for businesses that operate primarily from a residential space and can help to provide coverage for many issues that could occur by combining general liability and property insurance.

HomeHQ coverage may protect against equipment damage for covered losses, lawsuits, and liability claims for at-home businesses. It could also provide coverage for businesses that operate from a mobile space like a DJ or coffee cart company.

Workers' Compensation is another type of coverage that should be considered by business owners. Have you hired employees to work for your home-based business? If so, Workers' Compensation may protect your business operation if an employee is injured while working. It could also help to facilitate the injured worker's recovery and return to work.

Home Business Insurance You Can't Do Without

Every at-home business should consider getting insured. When you purchase business insurance, it may not only provide peace of mind, but it could also reduce the financial impact of unexpected events.

Backed by Great American Insurance Group, PolicySweet offers industry-leading insurance products for small businesses. Our policies can be tailored to your unique business needs. If you are looking for home business insurance, you can get a free no-obligation quote by using our online quoter tool.

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