Ideal Accounts and Appetite
This program is built for small, low-risk home-based businesses. It’s particularly well-suited for:
- Entrepreneurs operating from their primary residence
- Businesses with no more than one employee
- Limited or minimal foot traffic to the home
- Businesses with up to two claims in the past three years
- Annual gross sales up to $300,000
- Up to $100,000 in Business Personal Property
Accepted business structures include Sole Proprietorships, Partnerships, and Limited Liability Companies (LLCs).
Example: You might have a client who creates custom jewelry from their home studio or operates a freelance graphic design business—they could be an excellent fit for this program.
Coverage Highlights and Advantages
- Liability limits available up to $1,000,000
- Coverage for Business Personal Property
- Quick quote turnaround on over 150 eligible business classes
- Backed by a financially strong "A++" rated carrier
The program helps cover liability, property, and other risks that homeowners policies typically exclude when the home is used for business purposes.
Underwriting Notes and Minimum Premiums
Underwriting focuses on clean, simple risks with minimal exposure. Businesses should have limited in-person interaction with clients or customers at the home. The minimum premium varies depending on risk class and territory, but competitive pricing is available for qualifying accounts.
Territories and Availability
This Home Business Insurance program is available in the following states:
CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, DC
It is written on a non-admitted basis through Atlantic Specialty Lines, Inc., an experienced Excess & Surplus Lines Broker.
Why Work With Atlantic Specialty Lines, Inc.?
Atlantic Specialty Lines, Inc. is committed to delivering exceptional service and underwriting expertise. With strong carrier relationships and deep experience in niche markets, agents can expect responsive support and efficient processing. Whether you’re placing your first home-based business policy or expanding your E&S portfolio, Atlantic is a trusted partner for your clients’ unique needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for low-risk home-based businesses with minimal foot traffic, one or fewer employees, and annual sales under $300,000.
Can the insured be an LLC or Partnership?
Yes, the named insured can be a Sole Proprietor, Partnership, or Limited Liability Corporation (LLC).
What carrier backs this program?
The program is backed by an "A++" rated carrier through Atlantic Specialty Lines, Inc.
What is the maximum Business Personal Property covered?
The program covers up to $100,000 in Business Personal Property.
In which states is this program available?
This program is currently available in CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC.
Need help placing an account? Connect with a market specialist.