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Health & General Liability TESTIMONIALS If you're operating a business it is a must to have liability
insurance to protect you. I was paying State Farm $427 a year for less coverage, this was
only $225 and protects me nationwide, not just at my home. No cost, No obligation Count on PRO!
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Request A Quote Click here to have a competitive rate quote sent to you by email  |
Optional Certificate Request If you have Home Business Insurance through PRO Insurance and need a certificate that names a fair, event, etc. Additional fee applies.  |
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Home business insurance is just that — insurance, home business focused. If you have a full-time or part-time business you operate from your home, here’s why you should consider this coverage: most homeowner’s insurance policies DO NOT cover an in-home business.
In-home business policies are designed specifically to handle the business insurance needs of a home-based business and cover business personal property (equipment, inventory and supplies) and business-related liability. In addition, an in-home business policy can provide coverage for lost income and the loss of valuable papers and records that occur as the result of a covered loss.
An in-home business policy provides coverage for losses or damage from business activities conducted in your home or off-site at some other location. That means your coverage can extend beyond the boundary of your home to include protection for your business property while you are in transit and provides liability coverage when you are performing business-related activities at a trade show, craft show, festivals or someone else’s residence.
Again, most homeowners and renters policies do not cover liability or
damage to property from business activities.
HOME BUSINESS INSURANCE
does... and provides home based business security in so many other
ways!
| Homeowners vs. HOME BUSINESS INSURANCE | |||
| Are you insured if... | HOME BUSINESS INSURANCE |
Most Homeowners Insurance |
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Someone slips & falls at your home or other covered location? (General Liability)? | YES! | NO! |
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Your business equipment is stolen out of your vehicle? | YES! | NO! |
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You accidentally knock over the display next to you at an exhibition or show? | YES! | NO! |
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Your groceries spill onto your inventory in your trunk? | YES! | NO! |
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A power surge damages your computer or fax machine? | YES! | NO! |
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Someone steals your cash box? | YES! | NO! |
Coverage's & Terms
Why buy event insurance for just one occasion when a
HOME BUSINESS INSURANCE policy
protects your home business year round?
- Up to $1,000,000 in business general liability coverage, both on and off the residence premises.
- Up to $100,000 in business personal property limits for protection at home and while temporarily off premises.
- Up to $5,000 per person for medical payments to customers or vendors injured on your premises.
- Optional coverage's available for electronic data processing equipment, money and securities, additional insured's and terrorism coverage.
- Availability in all continental U.S. states, regardless of the carrier providing your homeowners coverage.
- Coverage's satisfying most event or show liability requirements.
- Annual premiums starting at just $225, for certain businesses.
- A standard $250 or $500 deductible applies depending on insurance company quoted.
- If coverage is approved a $50 brokerage fee will be assessed in addition to the premium quoted.
Business Liability
This is intended to be general liability coverage should there be an accidental third party bodily injury or damage to property on the premises. Limited product liability coverage is included as well in certain circumstances. This overall liability limit is extended to temporary locations such as trade shows, festivals, etc. $300,000 is the per occurrence limit that comes with the policy, but there are also options of $500,000 and $1,000,000 per occurrence. The aggregate amount is double the per occurrence limit.
Business Personal Property
This coverage insures your business equipment, inventory, displays, etc. We automatically include $5,000 for BPP, but we have available limits up to $100,000. The standard deductible is $250. The BPP coverage will only pay up to the limits selected and aggregate BPP of greater than $100,000 is ineligible for coverage. In certain circumstances, the insurance company may also pay for the loss of your business income resulting from damage to your BPP.
Electronic Data Processing Equipment Coverage
Available for an additional premium, this is an optional coverage for computers, printers, software, and some other electronics if related to the business. This coverage is broad, covering many different types of computer losses, and there is no deductible associated with this coverage.
Money and Securities Coverage
Available for an additional premium, this optional coverage insures business-related money, checks, or the like if they are stolen or destroyed, at your home or temporarily off-premises.
Additional Insured's Coverage
Available for an additional premium. We can add on certain types of additional insured's, including controlling interest, co-owner of insured premises (if not married), manager or lessor of premises, lessor of leased equipment, owner of leased land, grantor of franchise, or state/political subdivision. The most common type is manager or lessor of premises, which is helpful to insured's that sell temporarily at shows and are required by the promoter or venue of the show to add them on as additional insured. These are $25 each.
Terrorism Coverage
Available for an additional premium. We are required to offer this, which would insure your business against losses in the event of a certified terrorist act (as defined by TRIA) in your area. In most areas, this coverage is $1/year, but in some it costs up to 20% of the total premium. Customers do have the option to reject the coverage.