Home-Based Business Insurance in British Columbia
Simply put, a home-based business is one that is run from the insured’s home rather than at a formal off-site place of business such as an office. In order to qualify for this type of insurance, the primary use of the home must be for residential purposes but its secondary use can be for business purposes.
What is included in home-based business insurance coverage?
Home-based business insurance covers the things you need to run your business. Whether it’s your office contents, your general liability or items pertaining to legal expenses you may incur, our home-based insurance packages offer you peace of mind so you can focus on what’s most important—growing your business. A home-based business package offers a wide range of coverage options that are both flexible and affordable, including:
Home Office Contents
This provides protection for all your items and belongings used for business purposes out of your home
Commercial General Liability
This provides coverage for bodily injury and/or property damage, personal injury as well as tenants legal liability
Legal Expense Insurance
This covers costs associated with legal expenses coming from disbursements, court costs, witness fees, and adverse costs if a judge orders you to pay the other party’s legal fees.
Get an Online Home Business Insurance Quote Now
Examples of home-based businesses
Many people conduct business out of the home without realizing that they require insurance to do so. One common misconception is that a home/condo owner or renters policy will cover any home-based business activities. Unfortunately, this is not the case and losses that arise as a result of business operations are excluded in any residential insurance policy. A separate home-based business insurance policy should be purchased to cover losses as a result of business activities.
Our most common requests for home-based business insurance packages include the following:
At InsureBC, we're proud of the trust our clients place in us. See what they have to say about their experiences working with our team of expert insurance brokers.
Frequently asked Questions
How much does home-based business insurance cost in BC?
What types of Home-Based Business Insurance policies are available?
What type of businesses qualify for Home Based Business Insurance in BC?
What if I need to make changes to my policy?
Is it possible to purchase Home Based Business Insurance online?
Are there any special endorsements available for Home-Based Business Insurance?
Do I need to purchase separate liability insurance for my home office or workplace?
Looking to File a Claim?
Our dedicated claims department is committed to making the claims process as smooth and stress-free as possible. Whether you need to file a claim for your home, vehicle, or business, we have the expertise to guide you through the process.