Help Home Businesses Weather the Storm

hbi-header-01Anyone who’s turned on the news in recent months has seen reports of severe weather events occurring around the country. Inland floods and mudslides, windstorms, and fire are becoming more frequent and severe and unfortunately, many who experience them lack valuable coverage. That’s where you come in. You can protect your clients who have home businesses by ensuring that they are covered with a home business policy. Insureds often believe their existing homeowners or apartment-dwellers policy will cover any loss or damage to their business equipment, furniture and supplies in the event of fire, theft or other catastrophe, when in fact, those policies usually explicitly exclude coverage for any business exposures on their premises. Home business policies from RLI have the ability to protect an insured’s loss to business personal property, business income loss, along with extra expense in the event of a covered weather occurrence. Policies can be endorsed if they do not carry the valuable coverage of inland flood if location is eligible.

Popular Business Classes Include:

  • Residential Inspection Services
  • Teacher/Tutors
  • Photographers
  • Accounting Services
  • Bakers
  • Computer Consultants
  • Interior Decorating
  • Jewelry (Costume)
  • Art Gallery / Art Studio
  • Crafts

All classes subject to further underwriting guidelines.


Does your client run a small business out of their home?

IIAT Advantage offers a standard market program through RLI for standalone personal umbrella policies. It is a perfect solution for hard-to-place personal lines accounts. Click below to learn more or contact Lisa Webb at 512.494.2425

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