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Your business is your baby. Why not protect it like one?

We work with many insurance companies. We also know the commercial insurance landscape, and the available products. That’s why we can help you add a business package to your home insurance that is perfect for your scenario.

Protect what you love from what you don’t love: the unexpected

What if your inventory is no longer inventory?

If your inventory gets damaged unexpectedly, like from a fire or water damage, home-based business insurance can help cover the cost with home office contents coverage.

What if a visitor to your property is injured?

If a client or visitor is accidentally injured on your property and sues you, your home insurance won’t cover it because it was business-related. Home-based business insurance can provide liability coverage for this situation.

What if your home burglary is also a business burglary?

If there should ever be a burglary at your home, replacing important or specialized business equipment can be covered by your home-based business insurance policy.

Get Home-based Business Insurance

If you run a home-based business, and have valuable equipment or inventory, or if clients come to your house, you should have home-based business insurance coverage in addition to your home insurance.

This insurance can cover valuable things like inventory, marketing materials and office furniture, computer equipment and more. We can easily help you customize your insurance to fit your needs. Get started with a no-hassle quote.

What coverage works best for your home-based business?

Home business insurance can cover your inventory, business equipment, and liability. You can customize your insurance by choosing coverages and limits that make sense for you. Some of the coverages available include:

Commercial General Liability Coverage

This coverage helps protect you and your business in case someone takes legal action against you.

Home Office Contents Coverage

This coverage helps protect the goods you sell, and can help replace your business equipment in case of unexpected events like fire or theft.


Why do I need insurance for my home-based business?
If you operate a home-based business, you might assume that your renter’s insurance or homeowner’s coverage is enough for any related liability concerns. But actually, those policies do not cover any business related activities.

Home-based business insurance provides added protection from liability and damages that are related directly to your business operations. And your standard home insurance policy won’t cover lost inventory or materials used in your business, home-based business insurance can.

Home businesses also face many of the same risks other businesses do. For example, if you have employees who work in your home or clients who visit you, it is important to have coverage should they sustain an injury while on your property.

How do I know if this is a good fit for my business?

From finance gurus to beauty pros, home-based business insurance is great for lots of different home-based businesses, including:

  • Accountants
  • Financial and Legal Experts
  • Bookkeepers
  • Artistic Entrepreneurs
  • Photographers
  • Hairdressers
  • Graphic Artists and Designers
  • Management Consultants (ex: business, food services, engineering)
  • Repair Services (ex: cameras, computers, musical instruments)
  • Beauty, Health, and Wellness Professionals
  • Writers
  • and many more

Even if you don’t find your business type in the list available, talk to our Insurance Specialists. They’re close by and ready to help. Every home-based business is unique, and some may have more complex insurance needs. Get started with a quick quote and feel free to call, chat, or email our Insurance Specialists at any point if you have questions.

How much does home-based business insurance cost? What affects the cost of my insurance?

The cost of your specific policy depends on a few different factors unique to your business, including:

  • What kind of work you do
  • The number of people that work for you (if any)
  • Your annual revenue
  • The coverages you add to your policy
What do I do if I have to file a claim?

If you need to file a claim, it’s okay, don’t worry, we’ll do it with you. We know accidents and claims happen, we’ve seen and heard it all. As your insurance partner and advocate, we will help you through it. Call us at +1 (833) 745-0299 and we’ll be here to help you navigate the situation, 24/7.

We love our clients.
Turns out, they love us too.

…able to answer all of my questions and explain all of the potential risks and coverages for said risks in a way that I completely understood, and I feel excellent about and comfortable with my policy.
Matt W.
Mark B.

At Insurance Store, we offer home-based business insurance to those in Woodstock, Chatham, Collingwood, Barrie, Windsor, and the rest of Ontario.

Open for business, and ready to help with all your insurance needs by phone or email. Contact Us Now