Home Based Business Insurance

Protect Your Home-Based Business Clients with Confidence

Home-based businesses are more than just side gigs—they’re real enterprises with real exposures. At Sovereign Group International Inc., we understand the unique insurance needs of home-based professionals and entrepreneurs. Whether your client is a freelance writer, a tutor, or a party planner, our Home Based Business Insurance program provides targeted, affordable coverage that goes beyond basic homeowners insurance.

Ideal Classes for This Program

Many people think home-based business insurance is only for photographers and DJs—but the appetite is much broader. We welcome a wide variety of eligible businesses, including:

- Advertising Agencies

- Beauticians

- Bookkeepers

- Car/Boat Detailers

- Education Consultants

- Essential Oil Sellers

- Genealogists

- Mediators

- Models

- Music Teachers

- Office Supply Vendors

- Party Planners

- Professional Coaches

- Publishers

- Translators

- Trophy Sales

- Tutors

- Writers and Authors

Coverage Highlights

Our home-based business policy offers comprehensive protection for your clients, including:

- General liability coverage

- Business personal property coverage

- Loss of business income

- Medical payments coverage

- Optional endorsements to broaden coverage scope (varies by class and state)

This program provides peace of mind and professional protection for a wide range of microbusiness owners operating from their homes.

Underwriting and Carrier Information

This is a non-admitted program underwritten through USLI. Sovereign Group International Inc. offers streamlined access, responsive underwriting, and fast turnaround for quote requests. Please note that while there is no specific minimum premium listed, pricing is competitive and designed with affordability in mind for small operations.

Available States

Agents can place business in the following states:

- Massachusetts (MA)

- New Jersey (NJ)

- New York (NY)

Why Work With Sovereign Group International Inc.?

Sovereign Group International Inc. specializes in niche and underserved markets. With access to top-rated carriers like USLI and a deep understanding of the exposures faced by home-based businesses, we make it easy for agents to serve this growing segment. Whether your client is launching a new tutoring service or expanding their freelance consulting gig, we help you deliver the coverage they need—quickly and efficiently.

For an immediate quote, please send a request to [email protected].

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 tutors, music teachers, party planners, essential oil sellers, and freelance professionals operating from their homes.

Is this coverage available in all states?

No, currently this program is available in Massachusetts, New Jersey, and New York.

What coverages are included in the standard policy?

The standard policy includes general liability, business personal property, loss of income, and medical payments coverage, with optional endorsements available depending on the business type.

Is this an admitted or non-admitted program?

This is a non-admitted program underwritten by USLI, offering flexibility and competitive options for home-based business risks.

How can I get a quote for my client?

To receive a quote, email your submission or inquiry directly to [email protected] for a prompt response.

Need help placing an account? Connect with a market specialist.

U.S. States Available

U.S. States Available:

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Admitted:

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Carriers:

Carrier Ratings:

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Commission:

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Min Premium:

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Coverages:

Advertisers and Advertising Agency Cyber Liability Insurance Advertisers and Advertising Agency Errors and Omissions Insurance Advertisers and Advertising Agency Liability Insurance Boat Detailing Insurance Bookkeepers and Tax Practitioners Insurance Bookkeepers Errors and Omissions Insurance Educational Consultant Errors and Omissions Insurance Mediators/Arbitrators Errors and Omissions Insurance Mobile Car Detailing Insurance Tutor Errors and Omissions Insurance

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Sovereign Group International Inc. has other insurance programs like Vacant Property.

Sovereign Group International Inc.