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Home Based Business

Our Home Based Business Package Policy provides coverage for your Property (including extensions), Loss of Income, Crime and Liability.

Property Coverage

Eligible Contents at Your Premises

Contents including Stock and Equipment usual to your business operations Standard property coverage is on Broad Form with Replacement Cost subject to 90% Coinsurance and a minimum $500 Deductible.

Commercial Extensions

Our packages include a variety of extensions of coverage that provide extras for your operations:

  • Accounts Receivable
  • Amended Co-Insurance Clause
  • Bailees Coverage for Customers Goods
  • Brands and Labels
  • Consequential Loss Assumption
  • Contingent Loss of Income
  • Data
  • Exhibition Floater
  • Extra Expense
  • Fine Arts
  • Master Key
  • Media
  • Off Premises Utilities Interruption
  • Parcel Post
  • Peak Season Stock Increase
  • Personal Property of Officers, Employees, Volunteers & Visitors
  • Professional Fees
  • Property Temporarily Removed
  • Property in Custody of a Sales Representative
  • Reward
  • Signs
  • Transit
  • Valuable Papers and Records
  • Work Damage to Stock
  • Removal

Loss of Income

We include Earnings insurance on a no-coinsurance basis for a basic limit which can be increased as needed.

Crime Coverage

We include Broad Form Money and Securities coverage for a basic limit.

Commercial General Liability

Liability coverage provides protection against allegations of negligence leading to third partybodily injury or property damage as a result of operations. The basic coverage includes:

  • Bodily Injury and Property Damage
  • Personal Injury and Advertising Liability
  •  Medical Payments
  • Tenants Legal Liability
  • Non Owned Automobile

We offer a variety of additional coverage’s to tailor the policy to your operations

  • Beauty Parlour or Barber Shop Liability