Home Business Insurance Coverage

Expect the unexpected

You’ve worked hard to build and grow your home-based business. Don’t let an accident or mishap put it all at risk. A typical homeowners policy doesn't cover your business property, inventory and lost income, which is where an RLI home business insurance policy comes in. We provide you with the peace of mind knowing that if the unexpected happens, your livelihood is covered. An RLI home-based business insurance policy protects your business liability and your inventory so you can focus on what you do best.

We get it

For more than 20 years, RLI has been protecting the businesses of entrepreneurs just like you. We understand that no two businesses are alike and insurance needs are unique. Our passion is to protect your passion with customized coverage at a price that fits your budget. 

More than 140 business categories 

Whether you're a photographer or a crafter, perform computer repair or offer accounting services, your policy is quoted and written with your specific business in mind. Our coverage is affordable, and a policy can be obtained quickly for more than 140 business types in these categories: 

• Clothing
• Food and vitamins
• Handmade goods
• Wholesale & retail
• Authors, educators, entertainers and models
• Auto detailing & windshield repair
• Computer services
• Photography
• Home office services
• Personal and home services
• Decorative and floral services
• Art galleries and studios
• Costume jewelry
• Vinyl & leather
• And more

Optional coverage is available for unmanned aircraft, electronic data processing, money and securities, additional insureds, terrorism coverage, garage-keepers coverage, inland flood coverage, and identity fraud expense coverage.

What our policies cover

• Coverages for most event or show liability requirements.
• Up to $1 million in business general liability coverage, both on and off the residence premises.
• Up to $100,000 in business personal property limits for protection at home and while temporarily off premises. Coverage for business personal property inside a secondary location, such as a storage facility, is also covered.
• Up to $5,000 per person for medical payments to customers or vendors injured on your premises.
• Optional coverages available for unmanned aircraft, electronic data processing, money and securities, additional insureds, terrorism coverage, garage-keepers coverage, inland flood coverage, and identity fraud expense coverage.
• Premiums for a year of coverage are similar to the cost other companies charge for a single show.
• A standard $250 deductible.