If a customer files a lawsuit against you and your business
45 minute read
Home-based business insurance doesn’t have to be scary.
What is home-based business insurance?
Home-based business insurance is designed to help protect your business against risks associated with operating a business out of your home. It provides coverage for losses or damages resulting from business-related activities..
What does home-based business insurance cover?
Damaged equipment, stolen inventory, and customer slip-and-fall accidents on your property are just a few examples of the common risks that are covered by home-based business insurance.
| Covered by home insurance policies | Covered by TruShield home-based business insurance policies | |
|---|---|---|
| Customer lawsuits | X |  |
| Liability from product or operations | X | |
| Damaged or stolen business inventory | X | |
| Damaged or stolen business equipment | X | |
| Disasters caused by business equipment | X | |
| Temporary business closure for repairs | X | |
| Customer slip and fall | X | |
| Customer property damage | X | |
The TruShield advantage:
24/7 Claims service
We’re always open for you. With around-the-clock claims support by phone and online, we make settling claims fast, simple, and stress-free.
Flexible payment options
Pay for your policy all at once or in convenient monthly installments. We also offer 0% interest and we’ll even accept payment by credit card.
Legal expense insurance
Every TruShield small business insurance policy includes legal expense insurance: coverage for up to $50,000 of legal costs.
Now that you know who we are, check out our services!
Commercial General Liability Insurance
Commercial general liability insurance is designed to protect you and your business from a loss if you're found legally liable for bodily injuries or property damage to a third party caused by the product you sell or the service you provide.
Best for
- Bodily injury
- Property damage to third party
- Costly injury lawsuits
Commercial Property Insurance
Commercial property insurance doesn't only protect the building you use, but a long list of things inside including equipment, inventory, furniture, computers and other electronics.
Best for
- Equipment loss
- Outer building loss
Business Interruption Insurance
Business interruption insurance will help to pay for your loss of business income if you suffer a covered loss at your business location. If you suffer a loss and extensive repairs require you to close your business temporarily, you'll lose out on crucial business income.
Best for
- Rent, hydro, electricity, and other utilities
- Payroll for your employees
- Other expenses, such as alarm monitoring and property taxes
Commercial Auto Insurance
Commercial auto insurance is designed to cover you, your employees, and your passengers.
Best for
- Injuries to you, your employed drivers, as well as passengers
- Loading and unloading liability
- Replacement car coverage
Product Liability Insurance
Product liability refers to situations where a customer purchases a product, and an issue with the product causes a bodily injury or property damage to a 3rd party.
Best for
- Products that cause bodily injury to the customer
- Products that cause property damage
- Sickness caused by food or beverages
Cyber Risk
Insurance
Cyber risk insurance is designed to help protect small businesses like yours from certain losses associated with cyber or privacy breaches.
Best for
- Cyber breaches
- Incident response expenses
- Data recovery expenses
Car Insurance
With car insurance from TruShield you get coverage you can count on to get you back behind the wheel after an accident.
Best for
- Car accidents
- Incident response expenses
- Roadside assistance
Home Insurance
Protect your home and everything in it with home insurance from TruShield
Travel Insurance
Whether it's a business trip, a family adventure or a quick getaway, we offer comprehensive travel insurance packages to keep you and your loved ones safe while you're away.
Best for
- Emergency medical coverage
- Trip cancellation coverage
- Baggage loss or damage
Now that you know who we are, check out our services!
Commercial General Liability
Commercial general liability insurance is designed to protect you and your business from a loss if you’re found legally liable for bodily injusries or property damage to a third party caused by the product you sell or the service you provide.
Best for
- Bodily injury
- Property damage to third party
- Costly injury lawsuits
Commercial Property Insurance
Commercial property insurance doesn’t only protect the building you use, but a long list of things inside including equipment, inventory, furniture, computers and other electronics.
Best for
- Equipment loss
- Outer building loss
Business Interruption Insurance
Business interruption insurance will help to pay for your loss of business income if you suffer a covered loss at your business location. If you suffer a loss and extensive repairs require you to close your business temporarily, you’ll lose out on crucial business income.
Best for
- Rent, hydro, electricity, and other utilities
- Payroll for your employees
- Other expenses, such as alarm monitoring and property taxes
Commercial Auto Insurance
Commercial auto insurance is designed to cover you, your employees and your passengers.
Best for
- Injuries to you, your employed drivers as well as passengers
- Loading and unloading liability
- Replacement car coveage
Product Liability Insurance
Product liability refers to situations where a customer purchases a product, and an issue with the product causes a bodily injury or property damage to a 3rd party.
Best for
- Products that cause bodily injury to the customer
- Products that cause property damage
- Sickness caused by food or beverages
Cyber Risk Insurance
Cyber risk insurance is designed to help protect small businesses like yours from certain losses associated with cyber or privacy breaches.
Best for
- Cyber breaches
- Incident response expenses
- Data recovery expenses
Car Insurance
With car insurance from TruShield you get coverage you can count on to get you back behind the wheel after an accident.
Best for
- Car accidents
- Incident response expenses
- Roadside assistance
Home Insurance
Protect your home and everything in it with home insurance from TruShield
Travel Insurance
Whether it’s a business trip, a family adventure or a quick getaway, we offer comprehensive travel insurance packages to keep you and your loved ones safe while you’re away.
Best for
- Emergency medical coverage
- Trip cancellation coverage
- Baggage loss or damage
How to get insurance for your home-based business
Getting started is simple. You can get a customized quote by answering a few questions about your business. Once you’ve provided your contact details, we’ll tell you how much a policy will cost. If you like the rate you see, you can buy your business insurance policy online.
If you can’t get a quote online, don’t panic! It simply means your business requires a more personal touch and one of our insurance specialists can further assist you over the phone.
You’ve spent a long time building your home-based business—let us help you safeguard it.
