Home-Based Business Insurance Program from MAXIMUM
MAXIMUM offers a focused insurance solution built for home-based businesses. As a wholesale broker with broad market access, MAXIMUM gives independent agents and brokers flexible options and competitive placement capability for this growing segment of small business.
Whether you represent a freelance graphic designer, an online product seller, or a home-based consultant, MAXIMUM’s Home-based Businesses program is designed to address the common liability, property, and professional exposures these operations face. Coverage is available in most states and the program welcomes new ventures and startups—making it easy for you to place both emerging and established clients.
Ideal Accounts and Appetite
This program targets legitimate, service- or sales-oriented home businesses that do not involve high-risk manufacturing, installation, or significant physical labor. MAXIMUM accepts more than 150 eligible business classes, including:
New ventures are welcome. The program is well-suited for accounts with up to $500,000 in annual revenue and up to three employees.
Example accounts you can place through MAXIMUM:
- A freelance graphic designer who works from home, sells digital deliverables online, and needs general liability plus E&O protection.
- An online boutique owner selling handcrafted goods with business personal property and limited off-premises coverage for trade shows or pop-up events.
Coverage Highlights and Advantages
MAXIMUM’s Home-Based Business program combines core protections and convenient value-adds that agents can use to differentiate their offerings:
Underwriting Notes and Deductibles
Key underwriting and deductible details for submissions:
The program is not available for risks located in AK, HI, LA, or WV. Commonly ineligible businesses include event planners, landscapers, contractors, massage therapists, and operations that involve manufacturing, installation, or repair. See the ineligible list below for additional specifics.
| • Event planners |
• Internet service providers |
• Massage therapists |
| • Landscapers or contractors |
• Computer consultants |
• Personal shoppers / errand services |
| • Manufacturing, installation, or repair businesses |
• Home inspectors (other than mortgage field inspectors) |
• Sports/martial arts instruction |
| • Fine jewelry sales or repair |
Territories and Availability
This program is available in most states (see storefront for the full list). Admitted options are available in many jurisdictions. MAXIMUM actively places business in major markets including CA, TX, FL, NY, IL and others, while excluding AK, HI, LA, and WV.
Why Work with MAXIMUM
MAXIMUM combines underwriting expertise, broad market access, and service-focused support to help you place home-based business accounts efficiently. Agents get responsive underwriting, access to multiple carrier relationships, and value-added services that make your proposals more competitive.
We prioritize practical solutions and timely service—so you can confidently present a tailored insurance program to your small business clients.
Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for small home-based businesses such as consultants, graphic designers, tax preparers, beauty product sellers, and similar service- or sales-oriented operations with limited physical risk.
Are new ventures eligible for coverage?
Yes. New ventures and startups are welcome—even those with little or no prior insurance history—subject to underwriting review.
What are some common ineligible businesses?
Businesses that involve manufacturing, installation, repair, or significant physical labor—such as contractors, landscapers, massage therapists, and fine jewelry sellers—are typically not eligible.
Is Errors & Omissions coverage included?
Yes. E&O is included for most eligible classes with a $1,000 deductible. Many classes also receive a professional E&O sublimit at no extra charge.
What is the maximum revenue allowed for eligible risks?
The program accommodates businesses with up to $500,000 in annual revenue.
Need help placing an account? Connect with a market specialist.