Coverage for home-based business that's actuallyclearright-sizedyoursfairclear
Run from a spare room, garage, or driveway, your homeowners policy will not cover the business side. We close the gap with the right small-business coverage, sized to a home operation.
What home-based businesses carry.
The lines a home operation needs, and where the homeowners policy stops.
| Coverage | What it covers | Good to know |
|---|---|---|
| General liability | Injury to a client or vendor who visits | Homeowners excludes business liability |
| Business property | Equipment, inventory, and tools at home | Homeowners caps business property low |
| Business income | Lost revenue if you cannot operate | Often overlooked by home operators |
| Professional liability | Claims about your advice or work | If you are paid for expertise |
| Commercial auto / HNOA | Driving for the business | Personal auto excludes business use |
| Cyber liability | A breach of customer data you hold | Even a small shop is a target |
A home business endorsement or a small BOP fills the gap your homeowners policy leaves. We pick what fits.
Running a business from home? Let us close the gap your homeowners policy leaves, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Home-based business coverage, answered.
The questions home operators ask first.
Only barely. Homeowners policies exclude most business liability and cap business property very low, often a couple thousand dollars. The moment clients visit, you ship products, or you store inventory, you have a gap. We close it.
Not necessarily. A home business endorsement or a small business owners policy can be modest and right-sized. We match the coverage to the actual operation rather than overselling it.
That is business liability, which your homeowners policy generally excludes. Business GL is what responds. We make sure visiting clients are covered.
Most quotes are back within 48 business hours once we have your details. We reply to any question within 2 business hours.
Ready when you are