Home Based Business Insurance Policy

Center West Insurance Agency knows Home Based Businesses and the small business entrepreneur.  We have been providing innovative insurance coverage for the past 15+ years to Americans who have Home Based Businesses. The internet has provided a means to advertise businesses that are home based. Web sites have become the marketing tool for the success of Home Based Business. 200,000+ craft show, festivals and events in America have provided another venue to success for the Home Based Business.

The Problem

According to the Home Office Association of America, 30 million Americans now work from home.  Another study found that most of Home Based Business are not properly insured.  Homeowner 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 or restrictive to be a viable solution.  Just because you have a Home Based Business does not mean that you are "safe" from losses you would encounter if you had a business location on Main Street USA...there is a solution.

The Solution

Center West Insurance Agency is an Agent for RLI Insurance Company's Home Based Business Insurance Program (HBP). This policy is specifically designed for Home Based Businesses. For an affordable annual premium, as low as $150 in many areas, you can receive comprehensive protection for your Home Based Business just as if you were located on Main Street USA. Notice these highlights of the HBP 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.

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.