Personal Lines

Home Based Business

Protect the assets of your home-based business customers with small business insurance from RLI.

Insurance Type
Admitted
Distribution
Wholesale
Availability
Policyholders must reside in one of 50 U.S. states or Washington, DC.
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Not an agent or broker? 

If you're a business owner interested in a quote, reach out to your insurance agent or obtain a quote as an individual or family.

Coverage

Coverage overview

  • Up to $1 million in business liability coverage with aggregate limits at two times the per occurrence limit
  • Coverage limits available up to $100,000 for the business personal property while on location and temporarily off location
  • Electronic data processing coverage (optional in California and Florida)
  • Loss of income coverage
  • Premiums starting as low as $150 annually
  • Satisfies most event or show liability requirements

Additional coverage

  • Variety of additional insured endorsement forms for a small premium fee
  • Identity fraud expense
  • Garage keepers
  • Money and securities
  • Increased theft limitation for jewelry and watches
  • Unmanned aircraft coverage/drones
Woman using a laptop
Eligibility

What businesses are eligible?

  • Business types fit within RLI's eligible business classes
  • Business is home-based, not located in a retail store or commercial office space Note: this does not mean all business activities must be conducted at the home. It is acceptable to operate from another site, such as a craft show, on a temporary basis.
Craft fair

Connect with Our Team

If you are a wholesale agent or broker and would like additional information, please contact us to start a conversation.

Coby Isaia
Coby Isaia
Underwriter II
|
state
309-692-0000 ext. 5469
Jason Kemp
Jason Kemp
Director, Personal Lines Underwriting
|
state
309-692-5402
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Alabama
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Indiana
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Oklahoma
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Rhode Island
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South Carolina
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Tennessee
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Texas
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Utah
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Vermont
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Virginia
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Washington
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West Virginia
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Manage your RLI business online

If you're an RLI-appointed agent or broker, log in to RLI's portal to access resources, forms, applications, marketing materials, raters and quick quote tools.

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