Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 14, 2026.
GENERAL LIABILITY
Home Based Business $27/month for general liability
WHY IT MATTERS
Why Home Based Business need business insurance
Running a business from home can create customer, property, professional, and vehicle risks that personal coverage may not address. Business insurance can respond to covered events based on the policies you select.
SCENARIO 1
A visitor is injured
A client trips over business supplies during an appointment at your home. General liability insurance may help with covered medical expenses and legal costs, subject to the policy terms.
SCENARIO 2
A client alleges an error
A client says your advice or service caused a financial loss. Professional liability insurance may help respond to a covered claim and related defense costs.
SCENARIO 3
Business property is stolen
Equipment or inventory used for your business is taken during a covered theft. Commercial property insurance may help repair or replace covered business property.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Type of work
Hands-on services, product sales, customer visits, and other business activities can affect the exposures evaluated for your quote.
Sales and payroll
Higher sales or payroll can indicate greater business activity and may increase the rate for applicable coverages.
Employees and subcontractors
Adding workers can change your liability and workers' compensation exposure, which may increase your quote.
Inventory and equipment
More inventory, specialized equipment, or higher selected property limits may increase the cost of commercial property coverage.
Business vehicle use
Frequent deliveries, customer visits, or other business driving can increase commercial auto exposure and may raise the rate.
Claims history
The number, type, and timing of prior claims may affect carrier eligibility and pricing.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
Because this page is national, your location and operating area remain important parts of an individual quote.
State and carrier requirements
Rates, available coverages, and requirements vary by state and by carrier.
Business location
Your home location and any other places where you store property or meet customers can affect the exposures evaluated.
Service and delivery area
A wider service or delivery area can add driving and off-premises exposure, which may increase the quote.
1,045
Quotes analyzed
50
States represented
6
Coverage lines
BEST RATE
How to get the best rate
Describe your work accurately
List your services, products, customer visits, deliveries, and other activities so the business is classified correctly.
Gather current business details
Prepare your sales, payroll, worker, property, vehicle, and claims information before requesting a quote.
Match coverage to your risks
Review contracts, business property, professional services, and vehicle use before choosing coverages and limits.
Document risk controls
Keep records of safety procedures, secure storage, employee training, and other steps used to reduce preventable incidents.
FAQ
Common questions
What insurance does a home-based business need?
The right coverage depends on what the business does and the risks it creates. General liability insurance, professional liability insurance, commercial property insurance, commercial auto insurance, workers' compensation, and a business owners policy may apply to different exposures.
Does homeowners insurance cover a home-based business?
Do not assume personal coverage will respond to every business loss. Review the personal policy alongside the business's property, liability, inventory, equipment, and customer-related exposures.
Do I need general liability insurance if customers never visit my home?
General liability insurance may still be useful when work occurs at a customer's location or involves products, property damage, or other third-party claims. Your operations and contracts should guide the decision.
What affects the cost of home-based business insurance?
The selected coverages, type of work, sales, payroll, workers, property, vehicles, location, claims history, limits, and deductibles can affect a quote. Rates and requirements vary by state and by carrier.
How can I request a home-based business insurance quote?
Complete one quick form to start. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work.