Home-based business insurance
If you run your business from home, are self-employed or work at home for a company, you do not necessarily need a commercial insurance policy to cover your assets and work-related activities. By adding an endorsement to your primary residence policy as owner, tenant or co-owner, we can provide you with the necessary guarantees to cover your small home-based business. In particular, we cover losses to company assets and computers, software, important documents, accounts receivable, operating losses or business interruptions and civil liability related to your business or professional activities. Additional coverage is available to ensure the survival of your small business in the event of a lawsuit. In this regard, supplementary civil liability coverage can give you the extra protection you need. A professional liability insurance policy is also recommended or required in several cases.
As usual, coverage may vary from one insurer to another. Moreover, certain types of activities do not qualify for "home business" coverage.
- Additional coverage
Whether you’re insured as an owner-occupier, tenant or co-owner, we can suggest affordable added protection to cover a range of situations:
- Specific valuables coverage (personal cameras, video cameras, computers, art, jewelry, etc.)
- Coverage for fire following an earthquake
- Water damage (sewer backup) coverage
- Pool and hot tub coverage
- Legal expense coverage
- Identity theft coverage
- Golf cart coverage
- Boat, yacht and other watercraft coverage
- Having trouble getting insured?
You may have encountered difficulty insuring a single family home that you rent to a third party. This is due to several factors, including higher risk of fire, improper maintenance and/or liability.
Talk to our experts. We can assess your situation and come up with a solution that’s right for you.
- Practical Assistance Services
Your home insurance policy is often more than just insurance. Most of our insurers provide practical assistance services, often at no cost! Below are some of the services that may be offered:
- Health information line
- Legal assistance
- Home assistance
- Home care
- Moral assistance
And much more!
Can I insure my home-based business against operating losses?
Are you the victim of a loss, and if so, is it covered by your insurance policy? Do you need to temporarily relocate your business? By choosing the appropriate riders, you can insure against loss of income, temporary relocation and workplace rehabilitation — provided that your policy covers you for the loss.