biBerk Business Insurance Offers Insights on Home-Based Business Insurance

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This article from biBerk Business Insurance provides an overview of home-based business insurance, explaining what it is, the different coverages available, what business insurance for a home-based business typically costs, and key questions to consider when assessing your insurance needs.

Why it matters

As more people operate businesses out of their homes, having the right insurance coverage is essential to protect against risks like customer injuries, property damage, data breaches, and more that homeowners insurance often doesn't cover.

The details

The article explains that homeowners insurance is not designed to cover business operations, and typically only provides about $2,500 in coverage for business-related property. It then outlines the key types of home-based business insurance, including general liability, errors and omissions, business owners policies, workers' compensation, cyber insurance, and commercial auto coverage. The article also provides a list of questions businesses should consider when determining their insurance needs, such as the type of business, value of equipment/inventory, whether customers visit the home, if there are employees, and potential financial consequences of a lawsuit or major loss.

• The article was published on February 17, 2026.

What’s next

Readers are encouraged to contact biBerk's licensed insurance experts to discuss which policies are essential for their specific home-based business.