Home business insurance coverage
Home insurance add-on
- Optional homeowners insurance add-on tailored to your small, home-based business
- Coverage for your business equipment and liability up to your policy limit
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What is home business insurance?
Home-based business insurance is a homeowners policy add-on. It extends your home policy's liability limits and coverages to your small business.*
What does home business insurance cover?
Business types covered by home business insurance
Learn how our customizable home-based business insurance policies can help protect your livelihood.
Did you know?
According to the Small Business Administration (SBA), 50% of businesses start at home. Of the 32.5 million small businesses in the US, 19 million are home-based.
Small-scale home daycares
Coverages such as limited personal property, medical expense and personal liability may help protect your small daycare up to your coverage limits.* Speak with your insurance agent to ensure this kind of policy will meet your daycare's needs.
Artist studios
Home-based business insurance may help protect your art supplies and equipment up to your coverage limits.* Speak with your insurance agent to ensure this kind of policy will meet your studio's needs.
Home-based freelancers
As a freelancer, you depend on equipment such as your laptop and monitors. Home business insurance may help protect these items up to your coverage limits.* Speak with your insurance agent to ensure this kind of policy will meet your needs.
Web designers
Home-based business insurance may help you protect key equipment, such as electronics and furniture, up to your coverage limits.* Speak with your insurance agent to ensure this kind of policy will meet your needs.
Photographers
Our home business insurance may protect your camera equipment and personal liability from unexpected losses up to your coverage limits.* Speak with your insurance agent to ensure this kind of policy will meet your needs.
Frequently asked questions
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*This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.
Coverage is limited. Consult with your American Family Insurance agent to determine whether this limited coverage is suitable or whether you need a more extensive and comprehensive Commercial Insurance policy.