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Home-based Business Insurance

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.

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:

  • Accountants/Bookkeepers
  • Costume Jewellers
  • Baked Goods / Pastries
  • Consultants
  • Tutoring Services
  • Freelance Writers
  • Graphic Artists
  • Interior Designers
  • Hairdressers
  • Staging Services
  • Musical lessons
  • Pet sitting and/or grooming
  • Photography

What is included in home-based business insurance coverage?

A home-based business package offers a wide range of coverage options that are both flexible and affordable, including:

  • Commercial General Liability Coveragepro­vides cov­er­age for bod­ily injury and/or prop­erty dam­age, per­sonal injury as well as tenants legal lia­bil­ity
  • Home Office Contents Coverage – provides protection for all your items and belongings used for business purposes out of your home
  • Legal Expense Insurance – 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.
  • And more

How much does home-based business insurance cost in BC?

Home-based business insurance is much more affordable than most small (home-based) business owners think. Depending on the nature of your business, how much equipment you have at home that is used for business purposes and how much revenue you anticipate generating, a home-based business insurance policy will only set you back as little as$50-75 monthly.

How do I buy home-based business insurance in BC?

Our entire network of 85 offices can assist you with purchasing a home-based business insurance policy. You can find a location closest to you, by clicking here. However, because most small business owners are extremely busy and may not have time to visit one of our offices in person, we have partnered with one of Canada’s largest insurance companies to offer the entire buying process online. You can now purchase your home-based business policy online, from the comfort of your home.

Coverage Details

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.

Let's find you the best possible coverage