Home Based Business Insurance

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Home Based Business Insurance
Please enter a valid zip code.

Retrieve a quote

Speak with a licensed insurance agent
Monday – Friday, 7am – 10pm ET
Speak with a licensed small business insurance agent
Monday – Friday, 7am – 10pm ET
Call 1-866-283-7545
Hiscox rated 4.7/5
Rated 4.7/5

Insurance for home based business professionals

Millions of self-employed professionals operate their businesses from home and rely on their homeowner’s insurance policies to provide protection for their home based businesses. While your house is protected, your important business files, equipment and operations may not be. To properly secure your home business, you should seriously consider home based business insurance.

In fact, using your home for activities your insurer isn't aware of (like operating a home based business) may invalidate your homeowner’s policy, leaving both your home and business at risk.

What type of home based business insurance do you need?

We offer professional liability insurance and general liability insurance. Because you work from home, we’ll customize your coverage and offer reduced rates in some areas to reflect the lower level of risk you face.

General Liability Insurance for home based businesses

This coverage is important for several reasons. First, your home based business protects you from claims due to injury of a third-party. For example, if you visit a client’s office, and someone trips over your bag, they can sue you.

A general liability policy protects you against claims of personal injury (libel and slander claims). We also protect you against damage to other people’s property or premises rented to you (that aren’t your home) such as a temporary office space or training/conference facilities.

Since you’re home based, less people will be visiting your place of work, which means you have a lower risk of accidents occurring. We reward this by lowering our general liability premiums. We think that’s only fair.

Visit our general liability insurance page for more information.

Professional Liability Insurance for home based businesses

Professional liability insurance (errors and omissions insurance) is an important part of your home based business insurance. If your business is sued for negligence, even if you haven’t made a mistake, this policy has you covered. We’ll even appoint a lawyer if necessary and cover the legal fees, up to the policy limit.

Your home based business insurance customizes coverage to your specific professional needs. For example, we add $200,000 of software copyright infringement to all policies for IT consultants who work from home, ensuring protection against common risks.

Visit our professional liability insurance page for more information.

Business Owner's Insurance for home based businesses

Also known as a business owner's policy or BOP insurance, this combines general liability coverage with protection for your business equipment, such as computers, printers, copiers and office furniture.

Visit our business owner insurance pages to learn more.

Get a fast, free quote now and get that Hiscox confidence behind your business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.

Hiscox Customer Reviews

Hiscox rated 4.7/5
Rated 4.7/5

Samantha, South Carolina
“Excellent Understandable”
Very convenient and easy to purchase just what I needed for my business


Sherri, Las Vegas, NV
“Happy Customer”
Excellent to work with, respond quickly and always helpful.


Eldon, West Hollywood, CA
“One stop shop”
They have a more comprehensive and complete insurance policy, that's why I went with them. I didn't want to have two companies for two different products. I got General liability insurance and Professional liability insurance.


Donna, North Carolina
Excellent service


Paul Amand, Tustin, CA  
I literally have NO negative comments. Every rep I spoke to was extremely helpful and informative. I wish I had found Hiscox before.


Michael, Catlett, VA
“Excellent service”
Your customer service agent was very efficient, polite and helpful

See More Reviews 

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.