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Insurance for nearly every legal home based business.

DRICKARD Insurance

Your Favorite Insurance People

607-843-8860    insurance@drickardinsurance.com

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Home Based Business - Vendors Insurance

Who? Policies described on this page are specifically for small home businesses that sell products at craft fairs, farmers markets, and the like.

Some Eligible Home Businesses

Arts & Crafts
Fresh Produce
Herbs and Spices
Home-Baked Goods and Foods
Jams and Jellies
Maple Syrup and Honey
Magazines and Books
Wood Products (Homemade—Excluding Toys)
Jewelry and Pottery (Homemade)
Prepared Food Concessionaries

Why? Your home business has grown from a hobby to something that is more like a business. Your homeowner's policy will not cover your operations, inventory, business property, or business liability.

Another reason for insurance is to answer a demand from a municipality or other entity that you provide them with proof of liability insurance and naming them as additional insured on your policy.

Starting around $150 annually* we have many companies willing to help you with these home based business vendor needs. You may even be able to keep your current home insurance in place as we create a policy that handles only the business issues. Contact us at 607-843-8860 or insurance@drickardinsurance.com.

What? This is the basic design of your home based business vendors insurance policy.

Basic Policy:

$2,500 Special Form Coverage on Business Property

$250 Deductible**

$300,000 Liability Coverage Including Products Coverage

$1,000/$10,000 Medical Payments To Others

Optional Increased Coverage:

Additional Business Property Limits up to $10,000***

Increased Liability Limits
                $500,000
                $1,000,000

Additional Insured Endorsement

Contact us at 607-843-8860 or insurance@drickardinsurance.com for qualification consideration, coverage information, and limitations to your policy based on your needs and your selected insurer.


*Prices and coverage varies by company, policy and individual needs. Call us to develop a premium estimate based on your situation.

**Higher deductibles are available.

***Limits over $10,000 for business property are available in other policy types.

 

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