insurance for home-based businesses

When your company’s headquarters are your living quarters.

According to the U.S. Small Business Administration (SBA), more than half of the businesses in the United States are based out of the owner’s home. Household names such as Apple, Hershey’s, Mary Kay Cosmetics, and Ford Motor Company all started as home-based business. Today, the power of Internet and related technologies provides a larger window of opportunity for those who want to start their own companies without the brick and mortar of a traditional business.

Just like any business, a home-based operation also needs commercial insurance to protect against the devastating costs that could come from liability and property damage claims. Unfortunately, though, it’s estimated that 58% of these types of businesses have inadequate coverage or no insurance at all.

Remember, a homeowners policy is not designed to cover a business exposure at home. Claims that can arise out of your home-based business include slips and falls by customers visiting your home for business purposes, your laptop getting stolen when visiting one of your customers, your business being shut down because of a fire at your home, or inventory being destroyed as a result of a fire at your home. These would not be insured under a homeowners policy. A home-based business insurance product is what is needed.


Let us focus on your insurance so you can focus on your business.

Martin Insurance Group has a special insurance program designed for home-based businesses from a top-rated insurance company. Whether you’re a graphic designer, hair stylist, travel agent, marketing consultant, tax preparer or sell products online, etc., you can rely on our 30-plus years of experience and in-depth expertise to tailor a program with insurance coverages that address your particular risks. This means sitting down with you to figure out your exposures and risk tolerance and then putting together an affordable, comprehensive plan that meets your needs.

Our home-based insurance program includes:

  • General Liability
  • Business Personal Property
  • Off-Premises Coverage
  • Loss of Business Income Coverage
  • Optional Coverage for Money and Securities
  • Equipment Breakdown
  • Professional Errors & Omissions (selected professions)

Businesses with no more than one employee (in addition to the owner) that are sole proprietorships, partnerships, LLCs, or corporations are eligible. Optional additional insured coverage is available for grantor of franchises, mortgagee, lessor of lease equipment, and others.

Call now to speak with a representative about insurance for you home-based business. With clients in New Jersey, Pennsylvania, and Connecticut — including companies in Mercer, Middlesex, Monmouth, and Ocean Counties, as well as Bucks County, PA — Martin has the experience and expertise to protect you and your business. We invite you to find out more about the difference we can make in insuring what’s important to you. Please click here for a quote or give us a call at 800.353.5000.

Q. Why do I need home-based business insurance?

A. Without specialized business coverage such as home-based business insurance, everything you put into a company could easily be wiped out with one accident, lawsuit, or other unplanned hardship. Martin Insurance Group can help you assess your needs and get the right business insurance for your organization. Whether it’s as simple as a BOP (Business Owners Policy), specialized coverage like home-based business insurance, or even a cyber liability policy, we can help.

Q. Why should I buy home-based business insurance from you?

A. Martin Insurance Group works with hundreds of New Jersey, Pennsylvania, and Connecticut businesses of all sizes, in a diverse range of industries. Chances are we have helped insure businesses similar to yours before ...READ MORE, so we know the ins and outs of your industry. What’s more, we have been selling insurance since 1983 and are a stable company you can trust.

Here are some additional reasons customers trust us for their commercial insurance needs:

We could save you money.
As an independent insurance agent, Martin isn’t tied down to one solution. We can compare policies and pricing on coverage such as general liability, workers compensation, and business umbrella insurance from a variety of providers and help you choose the one that’s right for your business’ unique needs.

We might even recommend one business insurance provider for part of your coverage and another for other coverage – whatever makes the most sense.

We stay on top of the paperwork.
With all that you have going on, it’s easy to forget to file or renew coverage. So Martin has developed quality control systems that ensure your commercial insurance records are current. We’ll even help you through the auditing process. No more scrambling to meet dates or find certificates – your Martin team will make sure you are on the ball and in compliance.

Q. I already have home-based business insurance. How do I know if it’s the right type or amount?

A. If you already have some form of home-based business insurance, but are not sure if it is the right type or amount of coverage, schedule a no-obligation review of your existing policies.

Our experienced team is generally able to identify gaps in coverage or opportunities to save money. Contact Martin today to schedule a complimentary review.





Email: info@martinins.com • Toll-Free: 800.353.5000 • Telephone: 609.356.1500
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