Ideal Accounts and Appetite
This program is designed for straightforward, low-exposure home-based operations. It is a good fit when the business has limited customer contact at the residence and simple staffing and revenue profiles.
- Owner-operated businesses based at the insured's primary residence
- One or fewer employees (non-family employees acceptable depending on class)
- Little or no customer foot traffic to the home
- No more than two claims in the past three years
- Annual gross sales up to $300,000
- Business Personal Property limits available up to $100,000
Acceptable entity types include Sole Proprietorships, Partnerships, and Limited Liability Companies (LLCs).
Example placements: a jewelry maker who produces inventory in a home studio and ships online, or a freelance graphic designer who meets clients off-site and stores equipment at home.
Coverage Highlights and Advantages
- Liability limits available up to $1,000,000
- Business Personal Property coverage up to $100,000
- Fast quoting across 150+ eligible business classes
- Program supported by a financially strong "A++" rated carrier
This program addresses gaps that standard homeowners policies typically exclude when a home is used for business — including liability and business property exposures tied to the insured operation.
Underwriting Notes and Minimum Premiums
Underwriting targets clean, simple risks. Key underwriting considerations include the amount of foot traffic to the residence, the number of employees, prior claim history, and the type of work performed. The program favors low-hazard classes and operations that keep client interactions off-site when possible.
Minimum premium varies by class and territory; Atlantic Specialty Lines offers competitive pricing on qualifying accounts. Provide clear details on revenues, employee counts, customer visits, and business property values for the quickest response.
Territories and Availability
This Home Business Insurance program is available in the following states:
CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, DC
Policies are written on a non-admitted basis through Atlantic Specialty Lines, Inc., an experienced Excess & Surplus Lines Broker.
Why Work With Atlantic Specialty Lines, Inc.?
Atlantic Specialty Lines combines deep E&S placement experience with responsive underwriting for niche accounts. Agents benefit from:
- Access to an "A++" carrier for stronger paper and broader appetite
- Quick quoting on a wide range of home-based classes
- Underwriting that understands small, owner-operated business models
- Support for agents placing first-time home-business policies or expanding E&S offerings
Atlantic focuses on practical, executable placements rather than marginal risks — which helps you place accounts efficiently and reduce submission friction.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Low-risk, owner-operated home businesses with limited customer visits, one or no employees, annual sales under $300,000, and modest business personal property needs.
Can the insured be an LLC or Partnership?
Yes. The program accepts Sole Proprietors, Partnerships, and Limited Liability Companies (LLCs).
What carrier backs this program?
The program is backed by an "A++" rated carrier through Atlantic Specialty Lines, Inc.
What is the maximum Business Personal Property covered?
Business Personal Property limits are available up to $100,000.
In which states is this program available?
This program is available in CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC.
Need help placing an account? Connect with a market specialist.