Center West Insurance - Home Business Insurance

Home Business Insurance

Center West Insurance Agency knows In-Home Business Insurance. After all, we are located in California. There may well be more home-based businesses here than anywhere else in the world. But more than that, we have provided an innovative insurance package for home-based businesses for many years now. So, what's the big deal about the combination of in-home businesses and insurance coverage, anyway?

The Problem

According to the Home Office Association of America, 30 million Americans now work from home. Another study found that 60 percent of in-home businesses are not properly insured. Homeowners and Renters insurance policies – even those that are endorsed to provide some business-related coverage – contain exclusions or limitations of coverage that can leave even small businesses vulnerable to the financial risks of inadequate or non-existent insurance. "Regular" business insurance packages are often too costly to be a viable solution.

The Solution

Throughout California, Center West Insurance Agency serves as a program administrator for the In-Home Business Policy (IBP) program offered by , a leading specialty program carrier. RLI's IBP is specifically designed for home businesses. For an affordable annual premium, as low as $150 in many areas, you can receive comprehensive protection for your home business. Notice these highlights of the IBP program:

Comprehensive coverage for Business Personal Property, with Theft coverage included. Limits up to $50,000 available.
Up to $1,000,000 in Business Liability protection.
Theft coverage "away from premises."
A standard $250 deductible.
Up to $5,000 per person for immediate medical payments to anyone injured on your premises.
Coverage for loss of business income.
Minimal underwriting restrictions.

To see if your home-based business may qualify for an In-Home Business Policy, please scroll through the list of eligible businesses below:

Abstracting and Indexing Service

Accounting Service

Adjuster (Public or Independent Claim Adjuster)

Advertising Specialty Items Sales

Antique Gallery/Shop

Appraisal Service

Art Gallery/Art Studio

Artist Supplies

Auctioneer

Auditor

Bakeries

Baloon Art

Barber Supplies

Beauty Supplies

Billing Service

Book/Magazine Distributor

Bookbinding

Bookkeeping Service

Calligraphy

Camera/Photography Sales or Repair

Candle Sales, excluding sales of candles made by individuals

Candy/Nut Confections

Car Detailer

Cell Phone/Pager Sales

Ceramics

Clock or Watch Repair

Clowns, Magicians, Entertainers
excluding Bands & Disc Jokeys

Computer Consultants and Trainers
who are not involved in development of custom applications/programs

Computer Repair

Computer Sales

Computer Service Bureau

Cosmetics Sales (Avon, Mary Kay, etc.)

Crafts, exluding manufacturing/distributing of candles made by individuals

Databsae Management

Desktop Publishing

Draftsman

Dry Food Products/Mixes Vendor

Editorial Service/Proofreaders

Embroidery

Engraving

Expert Witness Consultants

Financial Planning, excluding discretionary trading authority and/or access to customer's funds

Floral Arrangement

Food Broker

Food Supplements/Vitamins

Games/Puzzles Vendor

Gift Delivery Service (baloons, gift baskets, etc)

Gift Shop, excluding manufacturing/distribution of candles made by individuals

Glassware

Graphic Artist/Designer

Handicrafts, excluding manufacturing/distribution of candles made by individuals

Hearing Aid Sales

Hobby & Model Supplies, excluding manufacturing/distribution of candles made by individuals

Household Products (Amway, Fuller Brush, Shaklee, etc.)

Information Search Retrieval

Insurance Agent

Interior Decorating

Interior Window Treatments

Inventory Control Specialist

Jewelry (Costume)

Kitchen Supplies (Tupperware, etc)

Ladies/Girls Clothing, Accessories

Lingerie

Leather Goods

Loan Origination Service

Locksmith

Market Research

Medical Claims Processing

Mens/Boys Clothing, Accessories

Models

Monogramming

Musical Instrument Sales/Repair

Newspaper/Magazine/Book Delivery

Notaries

Office NOC

Office Supplies Vendor

Paper Goods

Pay Telephone Provider

Personal Care Products

Personal Fitness Trainer

Personalized Books & Gifts

Photographer/Photography Studio

Picture Framing

Prepaid Calling Card Vendor, excluding sales from vending machines

Printer

Professional Organizer

Professional Speakers

Publisher

Real Estate Agent

Refinishers

Religious Goods

Resume Service

Rubber Stamp Business

Scrapbooking

Secretarial Service

Seed Sales

Shoe Repair

Sign Painting

Stationery

Stenciling

Tailoring, Alterations, Seamstresses

Tax Preperation

Taxidermist

Teachers/Tutors except sports, physical education, industrial or martial arts

Telemarketing, Telephone Solicitation

Telephone Answering Service/Voicemail

Toner Cartridge Recharging

Transcribing, Court Reporters

Translator

Travel Agent

Trophy Sales

TV/VCR Repair

Upholsterer

Video & Music Sales/Rental

Videotaping, Dubbing, Editing

Vinyl/Leather Repair

Website Designer

Wedding & Party Planners

Wedding Cake and/or Cookie Sales

Windshield Repair

Wood Products excluding toys and furniture manufacturing

Word Processing

Writers/Authors

If your in-home business fits one of the above categories and you would like a premium quotation, please contact us via e-mail.

CALIFORNIA AGENTS: If you are a California licensed property-agent and would like to offer this program to your clients, click on our Agents button to request a Producer Kit.