Home Office Services
Click on the home office services categories below to see detailed descriptions of pre-qualified home businesses.
Abstracting and Indexing*
Services include: 1) back-of-the-book indexing in which an index of key words and subjects are created as the last step prior to printing a book; 2) Computer-database indexing in which journal articles are read and the information condensed into a format (short sentences or key words) for inclusion in databases; 3) corporate abstracting in which market or trade information and/or books are read and information pertaining to the business is abstracted into concise summaries. Title searching and title abstract work are not eligible under this class.
Accounting*
Accountants classify and analyze data and documents of financial transactions in order to prepare financial statements and tax forms. They may also audit books, suggest cost control measures, do analysis work and counsel management on alternative methods of operation. Individuals must not have access to their client’s funds. Actuarial consultants are not eligible under this class.
Billing*
Consists of maintaining records and processing claims for payment from businesses for hospitals, clinics, physicians, and individuals. Individuals must not have access to their client’s funds.
Bookkeeping*
Services include reconciling bank statements, recording payroll, billing, accounts receivable and payable transactions, and preparing financial reports for tax or accounting purposes. This class is not to be confused with accounting services which interpret and analyze the records prepared by the bookkeeper. There must not be any access to the client’s funds.
Calligraphy*
Calligraphers specialize in artistic, stylized, or elegant handwriting or lettering.
Database Management*
Service of managing data entered into computer to enable access of timely, accurate and cost-effective data.
Desktop Publishing*
A desktop publisher uses a personal computer and desktop publishing software to provide the services of a layout artist, typesetting service, and even a printer. For the most part, work is done on premises. However, very skilled desktop publishers may get temporary work on-site for companies.
Note: Personal and Advertising Injury Exclusion and Intellectual Property Hazard Exclusion will be attached to all policies written for this class.
Draftsman*
A draftsman draws plans and/or documents to third party specifications. These individuals excel in drawing systematic representations and dimensional specifications of mechanical and architectural structures. Machinists and architects are not eligible under this class. Planning/designing/oversight/interpretation/determination of a buildings construction is not eligible under this class.
Editorial Service/Proofreader*
Content proofreaders read word-for-word against the original to check for typos, misspellings and so forth. Design proofreaders, in addition to proofing content, proof for design specifications, typographical correctness, improper or excessive hyphenation once copy has been sent to typeset. Copy editors rewrite text, suggest style changes, check for proper grammar and clarity, make corrections, and proofread content. Development editors help authors develop or completely rework ideas and assist throughout the creation of manuscript. Clients include: writers, publishers, first-time authors, business offices, law firms, software houses, etc.
Note: Personal and Advertising Injury Exclusion and Intellectual Property Hazard Exclusion will be attached to all policies written for this class.
Graphic Artist/Designer*
Graphic artists/designers develop formats for and lay out publications such as newsletters, annual reports, brochures, pamphlets and catalogues. Logos and promotional designs may be created for commercial and retail businesses. The artist/designer will work with the client to decide on type styles, colors and use of photographs or illustrations. Traditionally work was created by hand for use in printed materials. Now the trend is visual design in video format. Computers are widely used to create and manipulate designs.
Information Search Retrieval*
Information brokers track down and locate specific information their clients need. Acting as specialized research librarians, they search computer databases and libraries as well as conducting interviews for their clients. Credit reporters, employment placement services, detectives and private investigators hired to follow people are not eligible under this class.
Note: Intellectual Property Hazard Exclusion will be attached to all policies written for this class.
Legal Office Professionals*
Legal Office Professionals who carry a professional liability policy can be referred under this business classification for review. Legal Offices include:
- Paralegal is a person qualified to perform substantive legal work that requires knowledge of legal concepts.
- Lawyer is a person who practices or studies law and represents, acts, consults, and advises clients in legal matters.
Note: Medical Expense Exclusion and Personal and Advertising Injury Exclusion will be attached to all policies written for this class.
Office NOC*
General home office risks not otherwise classified in these class descriptions. Every effort should be made to fit the business into a more specific classification.
Note: A referral to RLI is required before this classification may be applied to a particular risk. Medical Expenses Coverage Exclusion will be attached to all policies written for this class.
Office Professionals*
Office Professionals who carry a professional liability policy can be referred under this business classification for review. Offices include:
- Counselors/Therapists involved in human services, licensed clinicians with advanced degrees.
- Employment Agencies/Headhunters professionals working for outside companies looking to fill particular roles.
- Risk Management services include identifying, assessing and controlling threats to an organization; in order to avoid or minimize the impact.
- Stock Brokers without discretionary trading authority.
- Regulated professionals who buy and sell stocks or other securities through a stock exchange in return for a fee or commission.
- Nutritionists advise on matters of food and nutrition impacts on health.
- Consultants including Actuarial, Advertising Services/Marketing, and Human Resources. Consultants are professionals who provide expert advice or services.
- Computer Programmers/Software Developers are professionals who write programs for the operation of computers.
- Chiropractors are health care professional focused on the diagnosis and treatment of neuromuscular disorders, with emphasis on treatment through manual adjustment and/or manipulation of the spine.
Lawyers/Paralegals are not eligible under this class.
Note: Medical Expense Exclusion will be attached to all policies written for this class.
Personal Assistant*
Assistants who assist a specific person with their daily business or personal tasks ensuring that everything runs smoothly. Services include support with time and daily management tasks, such as scheduling/organizing of appointments and/or meetings, answering/screening phone calls, arranging travel/accommodations, errand running/shopping, paying bills. Celebrity Personal Assistants or Personal Assistants for High Profile Individuals are not eligible.
Note: Personal and Advertising Injury Exclusion will be attached to all policies written for this class.
Secretarial Service*
Services include: handling correspondence, filing, mailings and other clerical work.
Tax Preparation*
Service provided by an accountant or bookkeeper who specializes in preparing tax documents for individuals or businesses. Individuals must not have access to their client’s funds.
Telephone Answering/Voicemail*
The basic function of a telephone answering service is answering incoming calls on a client’s line, taking messages, and subsequently relaying the messages to the client. This can be done electronically via voicemail or by having someone answer the phone. Beyond the basic function, other functions may be performed such as taking appointments, making wake-up calls or other reminder duties, and minor word processing functions for small businesses.
Telemarketing, Telephone Solicitation*
Consists of utilizing the telephone to market products and/or solicit sales or contributions. Individual may not have access to their client’s funds.
Note: Personal and Advertising Injury Exclusion will be attached to all policies written for this class.
Word Processing*
Consists of entering data using a word processor that produces typewritten documents by use of automated typewriters and electronic text-editing equipment.
*NOTE – IN STATES WHERE APPROVED: Communicable Disease Exclusion will be attached to all policies written for this class.
