Most Homeowners policies exclude coverage for losses related to business activities. You may not have coverage if you suffer a property loss or liability claim related to your home-based business.

Atlas' In-Home Business Policy is specially designed for home businesses and includes protection for damage to your inventory or customers' goods, theft coverage, medical payments for those injured on your premises, liability and more.

The same things that can happen to your home can also happen to your home business:

• A customer slips and falls on your premises, is injured and is now suing you
• You return home and discover your house and office are on fire
• While at a trade show, your inventory is stolen from your car
• etc.

The In-Home Business policy is designed for retail and service risks operating from an insured's residence, which presents minimal product liability, professional liability and/or off-premises liability exposures. Samples of eligible business include graphic artists, household product distributors, bookkeeping services, desktop publishing services, photographers, interior decorators and crafters.

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• Is there a specific amount of business personal property the policyholder should carry?
• How much business personal property coverage can I write?
• Is business personal property temporarily stored in a warehouse or on sale at a craft consignment shop covered?
• Does the general liability coverage apply while the insured is away from home?
• Is a business operated out of my garage or a detached building eligible?
• Is coverage provided for professional liability?
• Is theft coverage included in this policy?
• Can the business have more than one named insured?
• Can we insure more than one location?

Is there a specific amount of business personal property the policyholder should carry?
Yes, The limit of insurance for business personal property must equal 100% of the replacement value.

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How much business personal property coverage can I write?
The amount of business personal property cannot exceed $50,000.

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Is business personal property temporarily stored in a warehouse or on sale at a craft consignment shop covered?
Yes, Business personal property off-premises coverage is automatically included in the policy. Coverage applies to covered property, other than money and securities, while it is in course of transit or temporarily stored at a premises you do not own, lease or operate.

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Does the general liability coverage apply while the insured is away from home?
Yes. The general liability coverage is not limited to occurrences that take place at home.

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Is a business operated out of my garage or a detached building eligible?
Yes. A business operated out of the garage, including a detached garage or building, is eligible if located within 100 feet of the insured's dwelling.

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Is coverage provided for professional liability?
No. Professional liability is excluded.

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Is theft coverage included in this policy?
Yes.

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Can the business have more than one named insured?
No. The business must be operated by the insured and/or another immediate family member who resides in the insured's household.

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Can we insure more than one location?
No. However, coverage is available for business personal property temporarily off premises (for example; a crafter participating in a craft show).

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Our consultants are available to assist you. Request information or schedule a meeting with one of our consultants by clicking the link below.
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Please click on any of the products below to start.

• Automobile
• Homeowners
• Personal Umbrella

You may also submit a quote request for the following types of insurance:

• In-home Business
• Motorcycle
• Watercraft

Our consultants are available to assist you. Request information or schedule a meeting with one of our consultants by clicking the link below.

• Contact an Atlas Consultant

An Insurance Glossary, FAQ, Articles, Links and other information are available in our Insurance Resource Center.

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