Home Business Insurance
Running a business from home does not make it any less of a business. Home Business insurance gives home-based entrepreneurs the specialized protection they need when a client claim, an equipment loss, or a liability incident exposes the gap between their homeowners policy and the business they are actually running.
Professional Coverage for the Business Behind Your Front Door
A homeowners policy was written to protect your home, not the business operating inside it. The moment you start seeing clients, storing inventory, or using equipment for professional purposes, your personal coverage begins to fall short in ways most home-based business owners do not discover until a claim is denied.
Business Personal Property Coverage
Covers your business equipment, computers, inventory, and professional tools against theft, fire, vandalism, and other covered perils that a homeowners policy typically excludes for business-use items.
General Liability
Covers third-party bodily injury and property damage claims arising from your business activities, including client visits to your home, off-site meetings, and incidents connected to your professional operations.
Professional Liability
Covers claims alleging your professional services, advice, or work product caused a client financial harm, protecting your income and reputation when a business dispute escalates into a legal claim.
Business Interruption Coverage
Compensates you for lost business income when a covered event damages your home workspace and forces a temporary suspension of your professional operations.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Solo Entrepreneurs
Independent professionals working from home carry full business liability on top of their personal homeowners exposure. The right policy protects your professional work, your business equipment, and your client relationships without the overhead of a separate commercial office policy.
Home-Based Business Owners
Home businesses that receive clients, manage employees, or store significant inventory carry a higher level of liability exposure that a homeowners endorsement alone cannot adequately address. Dedicated home business coverage ensures your operation is protected at every level of its activity.
Built for the Professionals Who Work Where They Live
Home-based businesses span every industry and every income level, but they share one common vulnerability: the assumption that their homeowners policy covers what happens when work and home overlap. It almost never does, and the gap it leaves is a real financial risk.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
Does my homeowners policy cover my home business at all?
Rarely in any meaningful way. Most homeowners policies cap business property coverage at a few hundred dollars and exclude business liability entirely. If a client is injured visiting your home office or your business equipment is stolen, a standard homeowners policy will likely leave you absorbing the loss out of pocket.
Do I need coverage if clients never come to my home?
Yes. Even if your business is entirely remote, you still carry professional liability for the work you produce and general liability for any off-site client interactions. Business equipment losses and income interruption are also exposures that exist regardless of whether a single client ever sets foot in your home.
What if I already have a business owner's policy for another location?
A business owner's policy tied to a commercial location may not automatically extend coverage to work performed from your home. Confirming with your agent whether your existing policy covers home-based work activity ensures you are not carrying an uninsured gap between your commercial policy and the work that happens when you bring it home.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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