Professional Services Business

Despite the wide breadth of different home-based businesses we insure, the uniting theme amongst our customers is the savviness to prepare for the unexpected, as well as the passion to invest in the futures of their ventures.

We work with plenty of service-providing professionals, including:

Hearing Aid Salespersons

Hearing aid sales businesses provide service and support for the fitting and customization of hearing aid products. Operations are mainly comprised of earpiece fitting, device assessment and customization, and patient aftercare. We respect state licensing guidelines that verify competence and ethics.

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

Insurance Agent

Insurance agent services are offered as an extension of an already established insurance brand. Services provided by businesses under this class include the sale, assessment, adjustment, and maintenance of records and information associated with the insured. We do not categorize insurance investigators under this class.

Representatives and distributors of Tanner Companies LLC are eligible operations for this classification.

Parties may be interested in Identity Fraud Expense Coverage which works to help with costs associated in rebuilding the insured’s reputation following the event of identity theft.

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

Office Professionals

Office Professionals who carry a professional liability policy can be referred under this business classification for review. This includes: counselors/therapists involved in human services who are licensed clinicians with advanced degrees, employment agency/headhunters professionals, risk management service professionals, stock brokers - without discretionary trading authority – who are regulated professionals buying and selling stocks or other securities through a stock exchange in return for a fee or commission. Also included are nutritionists, consultants including actuarial, advertising services/marketing, and human resource, computer programmers/software developers, and chiropractors. Lawyers/Paralegals are not eligible under this class.

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

Legal Office Professionals including Paralegal

Legal Office Professionals who carry a professional liability policy can be referred under this business classification for review. Legal offices include paralegals and lawyers.

Note: Medical Expense Exclusion, Personal and Advertising Injury Exclusion and Communicable Disease Exclusion* will be attached in states where approved.

Real Estate Agent

Real estate agents facilitate the sale of real property (e.g. land or buildings) to interested parties, and assist in every step of acquiring the information necessary to secure these desired assets. Property management, land brokers, and tenant screening are not eligible under this class.

Representatives and distributors of Avalar Real Estate & Mortgage Network are eligible operations for this classification.

You may be interested in Identity Fraud Expense Coverage, which works to help with costs associated in rebuilding the insured’s reputation following the event of identity theft.

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

Residential Inspection Service

Businesses under this class provide an independent audit of a customer’s home condition. Aspects of this audit include examining its internal systems (e.g. heating/AC, plumbing, roofing), and also requires that auditors navigate the roof and attic of the house in question as part of their services.

Note: Professional Services Exclusion, Residential Inspection Services Limitation Endorsement, and Communicable Disease Exclusion* will be attached in states where approved.

Unmanned Aircraft Operations

Commercial Use of Unmanned Aircraft. Designed for use with business classifications such as real estate photography, wedding and family photography, home inspections, or even for businesses who provide drone services/unmanned aerial photography to others.

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