At-Home Business Insurance
Specialty liability insurance solutions tailored to your needs.
Get StartedRisk is a reality of business; insufficient coverage shouldn't be.
While you focus on growing your at-home business, XINSURANCE provides the safety net, ensuring no unforeseen claim can undermine your hard work.
What is At-Home Business Insurance?
At-home business insurance is a crucial safety net designed to protect your livelihood from the unforeseen incidents that can arise during the day-to-day operations of a home-based business. It’s a proactive step towards ensuring that, should mishaps occur, you are not left bearing the full weight of financial repercussions, thus safeguarding both your business and personal assets.
Choosing XINSURANCE means you place trust in a partner that understands the distinct risks associated with home-based businesses and offers you more than an insurance solution— we offer assurance. We pride ourselves on being a true ally to our clients, standing firm against challenges and providing robust support when you need it most. What matters is not just the insurance you have but the partner behind it — one that commits to making unfortunate events less disruptive and helps you maintain the continuity of your business with unwavering dedication.
Types of At-Home Businesses We Can Help
- Firearms Dealers
- Freelancing and Consulting Services
- E-commerce Stores
- Professional Services
- Content Creation and Influencing
- Health and Fitness Coaching
- Tutoring and Online Education
- Tech Support Services
- Handmade Artisan Goods
- Catering and Baked Goods
- Professional Blogging
What Can At-Home Business Insurance Cover?
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Products Liability
Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About At-Home Business Insurance
Why do I need at-home business insurance?
you need at-home business insurance to protect against financial losses from unforeseen risks such as lawsuits or accidents that personal insurance policies typically do not cover.
How does at-home business insurance differ from regular home insurance?
At-home business insurance includes additional protections tailored for business risks, which are not covered under standard homeowners insurance policies. XINSURANCE may be able to provide an all-in-one solution covering your home as well as your business.
Can I get at-home business insurance if I rent my home?
Yes, renters can obtain at-home business insurance to cover their business property and liability.
Is home-based business insurance legally required?
While at-home business insurance is not universally legally required, it may be mandated in some areas or under certain conditions, depending on the nature of the work you conduct. Local regulations vary significantly, and certain professions may have specific insurance obligations to comply with professional standards or licensing requirements.
For instance, if your business activities involve clients visiting your home, manufacturing products, or offering professional services, you might need insurance to protect against liability or to fulfill contractual obligations with clients or suppliers.
It’s essential to research your local laws and industry standards to determine if at-home business insurance is a legal requirement for your specific business activities.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does insurance for at-home businesses cost?
The cost of liability insurance for at-home businesses can fluctuate depending on a variety of factors, including the type of business/service, revenue, the number of employees, location, and the level of risk involved in the business operations, and more.
It is best to contact XINSURANCE and tell us more about your business so we can provide a more accurate quote for at-home business insurance.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Professional Liability
We provide professional liability insurance solutions that can include coverage for negligence or alleged negligence, harmful advice, personal injury, libel and slander, actions of employees, claims from past services, and more.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if another insurance company has declined, canceled, or non-renewed your business, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
