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> Home Base Business

Home Based Business Product

Premiums start
as low as $250

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Our Home Based Business Product is designed for small, home based businesses with exposures that are either limited or excluded by the Standard Homeowners. Product .Specifically our product offers liability coverage that is not currently available under the Standard Homeowners policy, as well as business personal property protection above the Standard form’s $2,500 property limitation.

Note: The Home Based Business Product is designed to work in conjunction with our industry leading musical instrument property forms and not as a substitute.


  • Liability coverage up to $1,000,000
  • Business Personal Property coverage up to $100,000
  • Off-Premises coverage
  • Loss of Business Income coverage
  • Optional coverage for Money and Securities
  • Equipment Breakdown coverage included in the basic premium
  • Professional Errors & Omissions sublimity of $25,000 for specificed classes
  • Satisfies most show and event liability requirements
  • A.M. Best rated A++ carrier


  • Coverage for select home based businesses with up to $500,00 in Gross Annual Sales
  • Businesses with no more than one employee (in addition to the owner}
  • Businesses that are sole proprietorships, partnerships, LLC’s, or corporations
  • Optional Additional Insured Coverage for grantor franchises, mortgagee, lessor of leased equipment, and more. . .
  • No more than two business related claims in the previous three (3) years


  • Fast and easy access to quote this product on our website
  • Superior Policy Issuance

Eligible Home Based Business Classes:

  • Musical Instrument sales/repairs
  • Musical performers (excluding bands)
  • Music teachers/tudors/lessons
  • Over 150 eligible business classes not just music related.
Claim Examples:

A customer visiting your home for business slips and falls. Since the customer was at your home for business purposes the Home Based Business policy will provide the needed liability coverage excluded under your homeowners policy.

You are working a trade show and someone trips and falls over your display, the Home Based Business policy will provide the liability protection you need. Your homeowner’s policy provides no coverage since this was a business event.

Contact Heritage Insurance Services today at 1-800-289-8837, fax 215-322-5854,
or by e-mail at
Speak with a friendly Heritage agent live from 9 am to 5 pm Monday-Friday EST.
Or send us your message 24/7 via e-mail, voice-mail or fax. We’ll be happy to help you.