Are you finding that your home insurance is limiting or restricting coverage for your home based business?  With a product from United States Liability Insurance, you can purchase a policy that will cover you for1.  General Liability2.  Property3.  Business Income or last revenue Please don't hesitate to call us at 303-932-1700 to discuss your needs.  See below some information about the product and claim examples. 

Operating a business from your home can be a rewarding and profitable experience. However, each day brings the possibility for a

loss that could leave you, and your business, unprotected. Most homeowner’s policies are not designed to cover a business exposure

in the home. The typical homeowner’s policy provides minimal coverage for business property on and off premises and no liability

coverage relating to business activities. Clients with home based businesses face many property and liability loss exposures and

without proper coverage may have several coverage gaps by failing to purchase the Home Based Business Product policy. 

1. You operate a small e-bay business and have an inventory

   of $7,500. A fire in your home destroys or damages your

   inventory. The Home Based Business policy will provide

   coverage up to your Business Personal Property limit.

2. A customer visiting your home for business slips and falls.

   Since the customer was at your home for business purposes

   the Home Based Business policy will provide the needed

   liability coverage excluded under your homeowners policy.

3. Your laptop is stolen while you are visiting a customer.

   The Home Based Business policy provides up to $5,000 to

   replace your laptop while away from the residence premises.

4. You are working a trade show and someone trips and falls

   over your display, the Home Based Business policy will

   provide the liability protection you need. Your homeowner’s

   policy provides no coverage since this was a business event.

5. Your Home Based Limited Liability Corporation suffers

   a power surge damaging your computer, telephone, and

   fax machine, but your homeowner’s policy provides no

   coverage since the property is owned by the LLC and not the

   homeowner. Your Home Based Business policy will replace

   the damaged equipment.

6. A fire at your home makes it uninhabitable and your home

   based business must be shut down. Your Home Based

   Business policy provides the needed lost income and

   additional expense cov

7. A power surge caused electrical damage to your home

   based bakery refrigeration system. The system failed and

   you sustained food spoilage, repairs to the refrigerator and

   one day lost income. Your Home Based Business policy

   provides the equipment breakdown and business income

   coverage you need.