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We heartily endorse your in-home
business
In addition to enjoying your
independence and the world’s shortest commute, you no doubt have much in common with
millions of other entrepreneurs who have chosen to earn their living at home. You probably
have a desk, one or more computers, a fax machine, other office equipment and supplies. We
hope you also have plenty of clients.
What you probably don’t have—but really need—is insurance to cover
your business exposures.
It may come as a surprise, but most homeowners policies severely limit coverage for
business property, and specifically exclude coverage for business liabilities.
Fortunately, there’s no need to purchase a separate business insurance policy. All
you need is Home Business Solutions™ —a low-cost endorsement that can easily be
added to your Harleysville homeowners policy. First and foremost, Home Business Solutions
insures your…
- Office, shop or studio
—whether it is located in a detached structure or just a
separate area of your home—against fire, lightning, vandalism and numerous other
types of loss.
- Furnishings and equipment,
stock and inventory.
- Business liability exposures
related to your home office, products, services and
business activities.
In addition, Home Business Solutions provides a host of all-around business coverages
that insure everything from your business credit cards to the free samples you give to
your customers.
- $300,000 general liability
- $100,000 for business income and extra expense
- $20,000 for your office furniture, equipment, supplies and inventory/$5,000 for property
off premises
- $10,000 for accounts receivable on premises/$2,500 for off premises
- $5,000 for the cost to reconstruct destroyed business data/valuable papers
- $5,000 for business property of others that’s in your care (including property you
lease)
- $5,000 computer coverage, rather than the $2,500 that comes with a typical homeowners
policy (an you’re insured for many more types of loss!)
- $1,000 for business credit cards
- Compensation for extra expenses you incur if an insured loss makes your business space
"unworkable"
- $2,500 for money and securities on premises/$1,000 off premises
- $1,000 for salespeople’s samples
- $1,000 for medical payments to others
- Personal injury coverage is included
Are you risking more than you realize?
When you fail to carry special insurance for your in-home business, you not only
risk your livelihood, you could nullify certain coverages under your homeowners policy!
For example:
- If you use your garage to store items you sell or use in your business and the garage
burns down, you have no coverage for the items or your garage!
- If your "home office" is damaged, you have no coverage for
additional expenses you incur to keep your business going.
- If you hold a party strictly to drum up some business and a guest falls in your house
and gets hurt, you have no coverage to pay for medical costs and no
coverage to pay for the cost of your defense if you’re sued.
- If a supplier stops by your house (on business), slips on your child’s shoes and
suffers an injury, you have no coverage.
- If you use your personal credit cards for business and they’re stolen, resulting in
unauthorized use, you have no coverage.
- If your business records are stolen or destroyed, you have no coverage to
replace or reconstruct the information.
- If you’re accused of stealing a priceless collectible after visiting a
client’s home, you have no coverage to pay for the missing item. Ditto
if you damage property.
- If you work out of a guest room in your house, and a car comes
crashing through the walls, do you have coverage under your homeowners
policy? You can easily protect your budding empire with Harleysville’s
Home Business Solutions.
If you own a home-based business but don’t need the extensive coverage
afforded under our Home Business Solutions endorsement—or you’re employed by
someone else and bring work home on a regular basis—we also offer a more basic
business-in-the-home endorsement.
And, as your business grows, you may want to consider purchasing standard business coverage through Harleysville to provide
you with the additional protection you’ll need.
If you haven’t found what you’re looking for or if you have
additional questions, contact an agent in your area. Or, get in touch with our office nearest you.
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