Home Office Services

The term “home office services” can encompass a wide range of professions, from tax specialists to telemarketing. RLI works diligently to understand the specifics of each occupation, including the risks entrepreneurs face. Below is a list of home office services specifically addressed by the unique policies we coordinate.

Abstracting and Indexing

This classification includes:

• Back-of-the-book indexing in which a directory of key words and subjects are created as the last step prior to printing a book
• 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
• Corporate abstracting in which market or trade information and/or books are read and information pertaining to the business is abstracted into concise summaries

Please note that title searching and title abstract work are not eligible under this class.

Note: Communicable Disease Exclusion* will be attached in states where approved.

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, and actuarial consultants are not eligible under this class.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Billing Services

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.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Bookkeeping Services

Bookkeeping can entail reconciling bank statements, as well as 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 involve interpreting the records prepared by the bookkeeper. In order to qualify for RLI’s insurance, a bookkeeper must not have any direct access to clients’ funds.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Calligraphy

Calligraphers produce written lettering or words in a highly stylized technique. Home business insurance will financially cover any damaged inventory or equipment, as well as circumstances of liability.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Database Management

This line of work encompasses the coordination of data with the intent of the information being accurate, as well as swift to understand and navigate. Additional coverages such as Electronic Data Processing are highly valued for database management professionals.

Note: Communicable Disease Exclusion* will be attached in states where approved.

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, Intellectual Property Hazard Exclusion, and Communicable Disease Exclusion* will be attached in states where approved.

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. The planning, designing, oversight, interpretation, or determination of a building’s construction is also not eligible under this class.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Editorial Services and Proofreaders

Content proofreaders read word-for-word against the original document to check for typos, misspellings and punctuation. Design proofreaders, in addition to scrutinizing content, review for design specifications, typographical correctness, and 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. The clients who fall under this classification take on many different occupations, from first-time authors to law firms to software houses.

Note: Personal and Advertising injury Exclusion, Intellectual Property Hazard Exclusion, and Communicable Disease Exclusion* will be attached in states where approved.

Graphic Artistry and Designing

Graphic artists/designers develop formats for and lay out publications such as newsletters, annual reports, brochures, pamphlets, and catalogues. Logos and promotional designs often benefit 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, professionals produced the work 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, meaning that insurance coverage of electronic equipment is vital.

Note: Communicable Disease Exclusion* will be attached in states where approved.

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 and Communicable Disease Exclusion* will be attached in states where approved.

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. A referral is required before this classification may be applied to a particular risk.

Note: Medical Expenses Coverage Exclusion and Communicable Disease Exclusion* will be attached in states where approved.

Secretarial Service

Services include handling correspondence, filing, mailings, and other clerical work. RLI can arrange Home Business Insurance that makes certain that both your electronics and good name are safe.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Tax Preparation

Accountants or bookkeepers who specialize in preparing tax documents comprise this category. Individuals must not have access to their client’s funds, no matter whether they serve individuals or businesses.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Telephone Answering Service & 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. Professionals perform these tasks electronically via voicemail or by physically answering the phone. Beyond the basic function, the role may encompass other functions, such as taking appointments, making wake-up calls or other reminder duties, and minor word processing functions for small businesses.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Telemarketing & Telephone Solicitation

This classification 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 and Communicable Disease Exclusion* will be attached in states where approved.

Word Processing

This line of work involves entering data using a word processor that produces typewritten documents by use of automated typewriters and electronic text-editing equipment. Damaged equipment can lead to expensive repairs and loss of business, making home business insurance vital.

Note: Communicable Disease Exclusion* will be attached in states where approved.