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.
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.
- Business Owners
- Commercial Auto
- Workers’ Compensation
- Data Breach
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.
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.
Home liability insurance will not cover any legal claims made against your business related to onsite issues or operational liabilities.
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.
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.
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.