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RLI In-Home Business

Is an E&O claim lurking in your homeowners policies?

Home-based business owners are susceptible to losses just like any other business owners. Many discover that their homeowner’s policy contains exclusions for business pursuits—but usually not until after they have suffered a loss.

RLI’s In Home Business policy, available to offer clients through your IIABSC membership, responds to the needs of over 100 eligible business classes on an ISO BOP form.

It offers comprehensive coverage for business personal property (both on-premises and while temporarily off-premises), along with up to $1 million in business general liability protection. Loss of business income coverage and medical payments are also included.

Premiums starting at $150, competitive commissions, easy underwriting and a self-rating application should make this product an easy sell.

FREE marketing materials are available to help advertise these RLI products to your clients (brochures, flyers, posters, buckslips, letter & newsletter templates, etc.).

View/download email marketing template to marked home business covereage among your clients.  Simply swap out your agency and unsubscribe details and send this email to your homeowners insureds to generate home business insurance inquiries.

RLI In Home Business policy for artists and craftsmen. 

New Business Application

How to Quote and Submit New Business Online

RLI's Complete List of Eligible Businesses & Class Descriptions

Home Business Quick Quoter

Home Business Decline Form 

Among the eligible classes of business are:

  • Accountants
  • Photographers
  • Videographers
  • Interior Designers
  • Authors
  • Crafters
  • Insurance Agents
  • Clothing retailers
  • Computer Svcs
  • DJs
  • Cosmetic sales
  • Cookware sales
  • Windshield repair

View full list