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HOME BUSINESS INSURANCE · GEORGIA

Home business insurance for Georgia sole proprietors.

About 16 million Americans operate businesses from home. A standard homeowners policy excludes business property above a low threshold and provides no business liability coverage at all. If you run any commercial activity from your home you need a separate business policy or endorsement.

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WHAT'S COVERED

What home business insurance covers

Business Personal Property

Covers business equipment, inventory, and supplies against theft, fire, and certain other perils. Standard homeowners policies cap business property coverage at $2,500.

General Liability

Pays if a client, vendor, or delivery person is injured at your home office or if you damage a client's property.

Professional Liability (E&O)

Covers you if a client claims your work caused them financial harm. Critical for consultants, designers, and service providers.

IMPORTANT LIMITATIONS

What a home business policy does not cover

Employee injuries

Workers comp is required in Georgia once you have three or more employees, including part-time. Your homeowners policy provides zero coverage for employee injuries.

Professional errors and advice

Professional advice, errors, and omissions are excluded from general liability. A separate E&O policy is required.

Commercial auto use

Business vehicles used primarily for business purposes require a commercial auto policy.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Running a business from home? Your homeowners policy probably doesn't cover it.

Most home-based business owners are relying on their homeowners policy to cover business equipment and liability. It doesn't. Send us your business details and we will close the gap.

$400 to $1,500 per year

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