Home-Based Business Policy Details

Unique coverage for home-based businesses

The RLI Home Business Insurance policy, specifically designed for home-based businesses, crafters and hobbyists, is written on an ISO BOP form. While standard homeowner endorsements offer some coverage, many DO NOT cover most business-related losses.

RLI Home Business Insurance policies include:

Up to $1,000,000 in business general liability coverage, both on and off the residence premises.
Up to $100,000 in business personal property (BPP) limits for protection at home and while temporarily off premises.
A standard $250 deductible.
Up to $5,000 per person for medical payments to customers or vendors injured on your premises.
Optional coverages for money and securities.
Availability in all states and the District of Columbia, regardless of the carrier providing the homeowner coverage.

Producer Login

Agency Portal Login

Enhanced tools for you to transact and manage your business.

HBI-contact expert

Want to speak to an expert?

For more information about this program or referral to a program administrator, contact us at 1-866-617-1074 Opt. 3.

HBI-qualified businesses

Does your business qualify?

RLI has a listing of more than 140 unique businesses that qualify for Home-based Business Insurance.

See the List

HBI-producer-materials

Small Commercial Business

Our home based business insurance policies are underwritten by the RLI Small Commercial Business Group. You can find applications, rates and marketing materials here.

Find Out More