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    Home Business Insurance Coverage

    Home Insurance Add-On

    • Optional homeowners insurance add-on tailored to your small, home-based business
    • Coverage for your business equipment and liability up to your policy limit
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    What is home business insurance?

    Home-based business insurance is a homeowners policy add-on. It extends your home policy's liability limits and coverages to your small business.*

    What does home business insurance cover?

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    Business Types Covered by Home Business Insurance

    Learn how our customizable home-based business insurance policies can help protect your livelihood.
    Did you know?
    According to the Small Business Administration (SBA), 50% of businesses start at home. Of the 32.5 million small businesses in the US, 19 million are home-based.
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    Small-Scale Home Daycares

    Coverages such as limited personal property, medical expense and personal liability may help protect your small daycare up to your coverage limits.* Speak with your insurance agent to ensure this kind of policy will meet your daycare's needs.
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    Artist Studios

    Home-based business insurance may help protect your art supplies and equipment up to your coverage limits.* Speak with your insurance agent to ensure this kind of policy will meet your studio's needs.
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    Home-Based Freelancers

    As a freelancer, you depend on equipment such as your laptop and monitors. Home business insurance may help protect these items up to your coverage limits.* Speak with your insurance agent to ensure this kind of policy will meet your needs.
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    Web Designers

    Home-based business insurance may help you protect key equipment, such as electronics and furniture, up to your coverage limits.* Speak with your insurance agent to ensure this kind of policy will meet your needs.
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    Photographers

    Our home business insurance may protect your camera equipment and personal liability from unexpected losses up to your coverage limits.* Speak with your insurance agent to ensure this kind of policy will meet your needs.
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    Frequently Asked Questions

    Trusted by over 12 Million Customers & Counting

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    90+ Years

    Over 90 years in business protecting our customers
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    Ranked by Forbes

    Named one of America’s Best Insurance Companies by Forbes†

    †Forbes 2024 America’s Best Insurance Companies

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    12 Million Customers

    Reliable, quality coverage for customers across 19 states

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    The information on this web page represents only a brief description of coverages and may or may not be part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts may only apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions. 

    * Coverage is limited. Consult with your American Family Insurance agent to determine whether this limited coverage is suitable or whether you need a more extensive and comprehensive Commercial Insurance policy.