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 homeowners policy cover my home business?

All FAQs

Quick answer: Generally no, not for a meaningful home business. A standard homeowners policy limits business property to $2,500 and excludes business liability.

Does a standard homeowners policy cover a home-based business?

A standard homeowners policy provides very limited coverage for a home business - limited enough that most home-based businesses carry meaningful uninsured exposure without realizing it. The homeowners form was built for residential use. When a home doubles as a business location, the risk profile shifts in ways that form was never designed to handle.

What business property limits apply under a homeowners policy?

Business property is one of the clearest gaps. Most standard homeowners policies cap coverage for business equipment and inventory at $2,500. A laptop, a desk setup, a small product inventory, or a professional camera - that limit disappears quickly for most home offices. Coverage for business property taken off the premises is typically capped even lower, often around $250 to $500. For context on how these limits compare to commercial coverage, see our guide on what businesses qualify for a BOP.

Does a homeowners policy cover business liability?

Business liability coverage is the other major gap. A standard homeowners policy exclusion removes business liability entirely. If a client visits your home office and gets injured, or if a product or service you sell causes harm, the homeowners carrier will almost certainly deny the claim. For example, a graphic designer who has a client come to her home studio for a project meeting, and that client trips on a power cable and is injured, would find that her homeowners policy does not cover that claim. The business exclusion is not a technicality - it is a core part of how the policy is structured. For a deeper look at how home-based business coverage works, see our FAQ on whether homeowners insurance covers a home-based business.

What does a home business endorsement cover?

A home business endorsement adds limited business property and liability coverage to an existing homeowners policy. It is a reasonable fit for low-revenue, low-traffic operations - a freelancer who rarely has clients on-site, for example. The endorsement raises the business property limit and brings liability back into scope for covered business activities.

When does a business owners policy make more sense?

A business owners policy (BOP) is the more complete solution for businesses with employees, regular client traffic, significant equipment, or revenue the household depends on. A BOP covers business property at replacement cost rather than a capped dollar amount, business liability without the residential exclusion, and business income protection if a covered event forces operations to stop. A comparison of BOP cost against buying coverage separately is in our guide on BOP cost versus separate policies in Georgia.

For example, a Roswell marketing consultant who runs client meetings from her home office and has $15,000 in equipment would find that her homeowners policy covers only $2,500 of that equipment and excludes any liability claim from a client injury on the premises. A BOP covers the full equipment value, the liability during client visits, and lost income if a fire or water event shuts her office down.

Request a free coverage review and our team will confirm what your homeowners policy actually covers for your business and walk through the options that close the gap.