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For individuals & businesses

Did you know that 2 out of every 3 people who run a business or hobby out of the home do NOT have adequate insurance? Most homeowners’ policies are not designed to cover losses from the business! If you’re a home-based business, then you need to make sure you have at-home business insurance with proper coverage!

XINSURANCE provides true peace of mind to at-home business owners with customized insurance solutions tailored to your needs. Even if your business has been declined, canceled, or non-renewed from insurance needs, we can help. Insurance for at-home businesses shouldn’t be overlooked and we’re here to help you every step of the way.

insurance for at home businesses
insurance for at home businesses


What Can At-Home Business Insurance Cover?

XINSURANCE can provide insurance solutions tailored just for you. If you already have an insurance policy, we can simply cover the gaps or exclusions that may be leaving you vulnerable! With our all-in-one approach, you can get everything you need under one policy.

  • General liability: protects you against claims and lawsuits regarding third-party bodily injury or third-party property damage.
  • Professional liability (E&O): Protects you against negligence-based claims and lawsuits.
  • Business property: Covers damage, loss, and theft of property.
  • Business auto (available in most states): Covers damage to your vehicle and covers third-party bodily injury or property damage if you’re involved in an accident.
  • Product liability: If you sell products, this protects you against claims and lawsuits regarding a defective product that caused an injury.

Please note that we do not provide workers’ comp.

Examples of Who Can Get Home-Based Business Insurance

Any type of home-based business, large or small, new or old, can get home-based business insurance. Don’t worry if your business isn’t listed. Give us a call to see if we can insure your home-based business!

  • Web designers
  • Web developers
  • Bed and breakfast
  • Interior decorators
  • Home daycare
  • Reseller (goods, clothing, etc.)
  • Music teachers
  • Dance instructors
  • Personal trainers
  • Copywriters
  • Massage therapists
  • Consultants
  • Photographers
  • YouTubers and Streamers (gamers, entertainers, etc.)
  • Cosmetologists
  • Accountants
  • Hair dressers
  • And much more!


XINSURANCE is a full-service liability insurance brokerage that finds solutions for the most challenging risks. No one should ever have to fear being under-covered. We provide customized liability insurance solutions that cover gaps in traditional coverage. You’ll have true peace of mind knowing you have a trusted partner by your side whenever an accident or incident occurs. XINSURANCE is available in all 50 states.

Why Should You Choose Us for At-Home Business Insurance?

At XINSURANCE, we strive to provide true peace of mind. Our in-house legal, risk management, policy services, and underwriting teams are standing by to assure you that we got you covered. Unfortunately, in today’s litigious society, there are huge areas of exposure in the event of a lawsuit. XINSURANCE fills that liability insurance void for you. Even if you’ve been declined, canceled, or non-renewed, XINSURANCE is here to help!

Get A Free Insurance Quote

If you’d like to receive a quote, please fill out our online form (also at the top of the page). An underwriter will receive it and get back to you as soon as possible. You can also call us at 877-585-2853.

If you currently have an insurance policy, we’d be happy to look it over and let you know if there are any gaps or exclusions leaving you exposed. This is a free policy review with no obligation!

Please contact us to get your free home-based business insurance quote today!

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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