RLI Home Business

FACT: Nearly 60% of Home-Based Business Owners Don't Have Insurance

OPPORTUNITY: RLI Home Business Insurance

RLI's Home Business Policy provides affordable coverage for those people who operate small home-based businesses. Insureds often believe their existing homeowners or apartment-dwellers policy will cover any loss or damage to their business equipment, furniture and supplies in the event of fire, theft or other catastrophe, when in fact, those policies usually explicitly exclude coverage for any business exposures on their premises. The RLI Home Business Policy, however, is not intended for all types of home business. It is specifically targeted for over 100 retail and services risks operated from the insured's residence and presenting minimal product liability, professional liability and/or off-premises exposures.

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How Do I Get a Home Business Policy?

Home Business Application

Ready to write a home business policy? The applications are designed so that you can fill in the blanks online and provide quotes to your insureds.

For questions or access to the RLI Portal contact:

Carol Wilson
Director of Professional Liability & Insurance Products
(217) 321-3011

Program Benefits

Benefits For Your Clients

  • Provides coverage for over 145 classes of small retail & service-type home-based businesses

  • Affordable rates

  • General liability coverage up to $1 million

  • Loss of business income protection up to 12 months available

  • Broad coverage with off premises theft included

  • RLI is admitted and A.M. Best "A+" rated

  • Up to $100,000 (varies by state of risk) comprehensive coverage for business personal property both on- and temporarily off-premises

  • Up to $5,000 per person for medical payments to customers injured on the insured's premises

  • Optional coverage available for Additional Insureds, Money & Securities, Electronic Data Processing Equipment (varies by state of risk)

Benefits For You

  • No minimum volume requirements or access fees

  • Easy underwriting

  • Self-rating application

  • Direct bill at new business and renewal via credit card and ACH​

  • Availability regardless of the carrier providing the homeowners or apartment-dwellers coverage

  • Competitive rates starting at just $125 annually, depending on the location and type of business

Top 10 Classes

Popular Business Classes Include:

  • Residential Inspection Services

  • Teacher/Tutors

  • Photographers

  • Accounting Services

  • Bakers

  • Computer Consultants

  • Interior Decorating

  • Jewelry (Costume)

  • Art Gallery / Art Studio

  • Crafts

All classes subject to further underwriting guidelines.