Home Based Business Insurance

Protecting your business from what your homeowners insurance doesn't cover.

Independent Insurance Agency

You run your business operations from your home, but your basic homeowners' insurance isn’t enough to keep you fully covered. Navigating your home-based business needs is our priority at Price & Ramey Insurance.

As an independent insurance agency, offering a full-range of Commercial Lines Insurance plans from a multitude of insurance companies, our comprehensive commitment means you will always receive professional and personalized attention, at your convenience.

Home Corner

Commercial Package Policies

Package your insurance and save with multi-policy discounts. Business Package Programs can be tailored to meet the individual needs of you and your business.

Commercial Insurance

  • Business Owners
  • Commercial Auto
  • Workers’ Compensation
  • Data Breach
  • Liability

See our Commercial Insurance offerings here, or contact an agent today to discuss what coverage your unique business needs. 

Additional Home Based Business Coverage

You know it’s important to have business insurance so you are not financially liable, but do you know what coverage your home based business needs? Here’s a quick primer on what you need to know.

Business Property

Your homeowners' insurance will not cover damage or loss of business property including equipment, technology, files, and so forth. Your business could have to pay out-of-pocket for property damage, employee injuries, and critical data loss. 

Legal Claims

Home liability insurance will not cover any legal claims made against your business related to onsite issues or operational liabilities. 

Commercial Auto

If you use your personal vehicle for operations related to your home based business, you want to ensure your auto policy is shifted to include commercial auto coverage to protect yourself from damages. 


Additional Coverage

By working with a local independent agency, like Price & Ramey Insurance, you will build a relationship with your agent. As your business grows and expands, your coverage needs will change. Have an agent on your side from day 1 to ensure you are always protected. 


Legal Minimum Coverage Requirements

Every state has its own legal requirements for minimum insurance coverage. Federal law requires U.S.-based businesses:

With employees to have:

  • Workers’ Compensation Insurance
  • Unemployment Insurance
  • Disability Insurance

With automobiles to have:

  • Commercial Auto Insurance

With certain professional services to have:

  • Professional Liability Insurance

Be sure to contact your agent for the most up-to-date requirements for your state and industry. 

P&R Office 1950

Trust Price & Ramey Insurance

With agents like neighbors, your local independent agency is here for all of your insurance needs. Price & Ramey Insurance has been protecting our community for over 100 years.

Many unique needs. One Price & Ramey.