For Business Owners

What we offer

Business Owners Policy | General Liability | Workers Comp Property | Business Auto | Professional Liability

Umbrella | Earthquake | Flood |Cyber

Who we offer

Top 3 reasons

To be insured through Home & Business Insurance Agency
+ Get personal help choosing the right coverage for you

+ More than 20 companies provide you a broad choice
+ Compare multiple quotes for the best solution

As a small business ourselves, Home & Business Insurance Agents knows the factors that drive any insurance buying decision - the best coverage at the best price. Let us review your current needs and find the insurance options and cost best suited for protecting the dream of a business you have built. With dozens of insurance companies to work with, we are sure that we can write a policy that is an exact fit. The following are some key coverages to consider for your small business:

Commercial General Liability
As a business owner, you are potentially liable for every product, service, and operation relating to your business. While sound procedures may be stressed throughout your organization, the fact remains that no person or machine is perfect. In spite of your best efforts, harm caused to a third party relating to your business could lead to litigation. Commercial liability insurance is designed to protect business owners and assets from a variety of exposures.

Imagine that a fire breaks out and you lose your entire inventory. Or your business is burglarized causing physical damage and possibly lost assets. Your ability to recover from these incidents is dependent on your commercial property insurance.

Inland Marine
Do you have business equipment, materials, or supplies in transit? Do you store business property in an off-site location? Protect some of your most valuable business property or equipment wherever it may be with inland marine coverage.


Workers Compensation

Injuries in the workplace can, and will, happen. Make sure you have the right policy in place based on the business's payroll and sales revenue, so that your employees can get back to work more quickly and your business can keep on running seamlessly.


Misc Errors and Omissions

Find out what type of E&O risks your business may be susceptible to. Then, put the right coverage into place to pay for court costs, attorney fees, and settlement costs if a client or other third-party is harmed by the service or advice you provide.


Your basic insurance policy does not protect you against damage from earthquakes and floods. Whether you are in a high-risk area or moderate-to-low risk area, you should consider adding earthquake and flood insurance to your policy.

Business Auto
Imagine you were involved in an accident in your personal vehicle while engaged in company business. Did you know your personal insurance may not cover you? What if you have employees on the road making service calls to customers? Commercial auto insurance provides valuable protection for your company-owned vehicles, leased or rented vehicles, and your employees' vehicles used for business purposes.

Without an excess or umbrella policy, a catastrophic claim could deplete your future income and business assets. Every business is vulnerable to devastating losses and lawsuits that could possibly exceed your primary insurance coverage. This is a critical coverage—especially for small to mid-sized businesses.