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Home Based Business Insurance

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Business Insurance / General / Home-Based Business Insurance

The Comforts of Home-Based Business Insurance  

Your home-based business carries different risks, which are not all covered under a homeowner’s insurance policy. If you work at home part-time or full-time, contact a Rhodes & Williams broker for guidance on an insurance plan that suits your business and your budget. 

Home-Based Business Insurance 

Whether you are a sole-owner, a startup or an incorporated company, we offer tailor-made coverage for your home-based business needs. Choose only the coverage you need, from options including general liability, home office contents, legal expenses, cyber and data protection, and more. 


What is Generally Covered Under a Home-Based Business Insurance Policy? 

While there are many risks to operating a business from your home, the amount and type of coverage varies greatly based on your industry, service or product you offer.  

What is Essential Coverage for a Home-Based Insurance Policy? 

Primary coverage for your home business commonly includes the below essential coverage options.

Professional Liability Insurance 
Also known as Errors & Omissions insurance, professional liability insurance is for professionals who offer advice or a service to people for a fee. Coverage includes protection against alleged negligence, misconduct, and failure to provide services. Legal fees and other costs may be included in this coverage. Link to Professional Liability Insurance Page.

Cyber Liability Insurance 
In recent years, cybercrime has been on the rise and has become more common, even for home-based businesses. If your customer’s data or privacy is compromised due to a cyber-attack, a cyber liability insurance policy may provide your business with required funds for legal fees, notification costs, and more. Link to Cyber Liability Insurance Page

Commercial General Liability (CGL) Insurance 
CGL insurance, also referred to as “slip and fall” insurance, is required for most home-based businesses. This insurance coverage may include third-party property damage and bodily injury from alleged claims and may cover legal and medical costs. 

What are Additional Coverage Options in a Home-Based Insurance Policy? 

Core coverage options in a home-based business insurance policy may also include product liability insurance, commercial property insurance, and Equipment Breakdown Insurance. Product liability and commercial property insurance are often part of a commercial general liability (CGL) policy. 

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Our brokers will compare insurance rates and get you an ideal quote for your individualized home-based business. Call or get a quick online quote today.  

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Why Choose Rhodes & Williams?

  In Business for almost 90 years.

As an independently owned brokerage, we take care of our clients at every stage of the insurance journey, from the initial connection to the completion of each customer’s request, on time.

  Hands-on Insurance Services.

We have a team of committed brokers, which allows us to be the go-to insurance brokerage in major cities in Canada. We provide impeccable service so you can go on with your life with your insurance needs taken care of.

   Trusted by Many.

Whether you need home, car, business, or recreational insurance in Canada – we have your back. See our Testimonials for proof of exceptional service. 


The cost of a home-based insurance policy varies widely in different provinces in Canada, as there are many different types of businesses and situations. It is important to speak to one of our experienced home-based brokers for more information.

A major benefit to having a home-based business insurance policy is peace of mind. Besides the positive mindset, a business policy could protect you and your family from major expenses that could occur due to several claims, including alleged negligence, discrimination, physical damage and injury, to name only a few.

Yes! If you make the change from working in an office to working from home, you must tell your insurance provider right away. If there is an accident or fire, you may not be protected under your home insurance policy. If you were working at home during COVID-19 and still work part-time at home, contact a broker for more information. If in doubt, always speak to one of our Rhodes & Williams business brokers about your situation, so you are adequately covered.

It is a common mistake to think if you have a home-based business, that your homeowner’s insurance policy will cover you for accidents, injury or other claims. This is not correct. If you provide services and sell products (online or at home), you will require commercial property insurance to be fully covered if a loss occurs.

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We offer competitive rates and impeccable service.

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