Published on Feb. 17, 2026
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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, what it costs, and more. It highlights the importance of home-based business insurance, as homeowners insurance often does not adequately cover business-related risks and liabilities.
Why it matters
As more people operate businesses out of their homes, having the right insurance coverage is essential to protect against risks and liabilities that homeowners insurance may not cover, such as client injuries, data breaches, and business interruption.
The details
The article outlines several key types of home-based business insurance, including general liability, errors and omissions (professional liability), business owners policy (property and liability), workers’ compensation, cyber insurance, commercial auto, and umbrella coverage. It also provides a list of questions business owners should consider when assessing their insurance needs, such as the nature of their business, value of equipment/inventory, client visits, employees, data handling, and business vehicles.
- The article was published on February 16, 2026.
What’s next
The article encourages readers to contact biBerk’s licensed insurance experts to discuss which policies are essential for their specific home-based business.
The takeaway
As the number of home-based businesses continues to grow, having the right insurance coverage is crucial to protect against the unique risks and liabilities they face, which are often not covered by standard homeowners insurance.
Based in New York, Stephen Freeman is a Senior Editor at Trending Insurance News. Previously he has worked for Forbes and The Huffington Post. Steven is a graduate of Risk Management at the University of New York.