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RLI In-Home Business

143 Home Business Classifications

This policy is designed for small businesses which are operated out of a person's home. An individual who conducts such an enterprise may find it difficult to find appropriate and affordable insurance through a conventional commercial lines approach. Yet, the homeowner's policy on the residence normally excludes any liability arising from "business pursuits." This product is specifically targeted for small retail and service businesses operated from the insured's residence that present minimal product liability, professional liability, and/or off-premises exposures.

Top 10 include: 

  • Teacher/Tutor
  • Bakeries 
  • Residential inspection services 
  • Handicrafts including crafters 
  • Photographers 
  • Artists 
  • Personal care products 
  • Costume jewelry sales 
  • Sales of clothing and accessories 
  • Entertainers

Product Highlights:

  • Up to $1,000,000 in Business Liability Protection 
  • Up to $5,000 per person for Medical Expenses for customers injured on your premises 
  • Business Interruption coverage included automatically 
  • $250 deductible for all liability and property claims 
  • Comprehensive Coverage for Business Personal Property (BPP), with theft coverage included 
  • BPP coverage is available both on-premises and while property is temporarily off-premises 
  • Optional Coverages Available **additional information available at request 
    • Money and Securities 
    • Additional Insureds 
    • Identity Fraud Expense Coverage 
    • Garagekeepers Coverage 
    • Jewelry & Watch Increased Theft Coverage ($250 Limit)

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Alyssa Circle Headshot.jpg


Director of Insurance Services