What revenue and square footage limits apply to a business owners policy?

A business owners policy typically caps eligibility under $5 million in annual revenue, with additional limits on square footage and employee count that vary by carrier.

Do I need a business package policy if I already have general liability?

A business package policy combines general liability and commercial property into one policy, usually at a lower cost than buying each separately.

Does a business package policy cover employees getting hurt at work?

No. Employee injuries are covered under workers compensation, which is a separate policy.

What is builders risk insurance and does US Assure write it in Georgia?

Builders risk covers structures under construction. US Assure is a program administrator that writes Georgia builders risk through independent agents with Zurich underwriting.

Does homeowners insurance cover a home-based business?

Standard homeowners policies provide very limited coverage for home-based business activity.

Business Owners Policy FAQs

Does my Georgia homeowners policy cover business liability?

All FAQs

Quick answer: Business liability is excluded from standard homeowners policies.

Mostly no. A standard Georgia homeowners policy is built to protect your personal life, not your business activities. Business liability is usually excluded or sharply limited. If a customer, client, or delivery person is hurt because of something tied to your business, your homeowners liability coverage will often deny the claim.

Why does a homeowners policy exclude business liability?

Personal liability on a homeowners policy covers everyday accidents, such as a guest tripping on your steps or your child breaking a neighbor's window. The moment an injury or loss connects to income you earn from a business, the policy's business activities exclusion can apply. That exclusion is one of the most common reasons home-business owners receive a denial at claim time.

For example, you run a small online resale shop from your Atlanta home and a courier slips on your icy walkway while picking up packages. Because that visit was business-related, your homeowners insurer could deny the medical and liability claim, leaving you to pay an injury settlement that can easily reach $25,000 or more out of pocket.

What is a home business endorsement and when is it enough?

Some insurers offer a home-business endorsement that extends limited liability and property coverage for very small, low-risk ventures. That add-on tends to be adequate only while gross revenue stays below roughly $2,000 to $5,000 per year. Once a business grows past that range, a separate business owners policy or general liability policy is typically needed to close the gap.

Does a business owners policy cover professional liability too?

A business owners policy does not automatically include professional liability coverage, sometimes called errors and omissions. If a client claims your advice, design, or service caused them a financial loss, that claim falls outside a standard BOP and requires a separate policy. For example, a home-based graphic designer whose client claims a branding error cost them a product launch would need errors and omissions coverage, not just a BOP, to have any defense or indemnification.

What about data and cyber exposure for home businesses?

Home-based businesses that store customer names, payment details, or health information face a data breach exposure. Homeowners policies do not cover breach notification costs, credit monitoring, or regulatory fines, and most BOPs require a cyber endorsement to cover those losses. Georgia's data breach notification law (O.C.G.A. §10-1-912) applies to businesses of all sizes that experience unauthorized access to personal information, so even a sole proprietor faces potential notification obligations after an incident.

For example, a home-based bookkeeper whose laptop is stolen loses years of client tax records. The cost of notifying affected clients, providing credit monitoring, and responding to any regulatory inquiry can run well past $10,000, none of which a standard homeowners policy would cover.

How do I find the right protection for my home business?

If you earn income at home in Georgia, even part time, a licensed advisor can confirm whether your business activity needs its own protection. Explore commercial insurance options available through Olive Cover, or book a free coverage review and our team will walk through the gaps, confirm what your current homeowners policy covers, and identify the right combination of endorsement or separate policy for your situation.