Cis Group Personal Insurance

Home-Based Business Insurance

Home-based Business Insurance

Home-based Business Insurance provides a one stop-shop public and products liability, property and personal accident insurance solution for clients that operate a business from the home they live in.

Home-based Business Insurance Public and Products Liability provides cover for: 

  • Choice of limits: $10,000,000 or $20,000,000
  • Worldwide Cover for exports except North America or Canada  – these can be considerd by referral.

The Home-based Business Property Insurance policy replaces the clients Home and/or Contents insurance policy. Very important when domestic insurers may not continue to provide this cover if a business (other than just an office) operates from the home.

In addition the policy covers: 

  • Business Stock and/or Merchandise
  • Business Equipment
  • Business Interruption
  • Machinery Breakdown (option)
  • Domestic Legal Liability
  • Individual Personal Accident and Sickness (Important if they rely on their business income and were unable to work due to an accident and/or sickness.)


  • Weekly benefits for temporary disablement due to accident, injury or sickness
  • Lump sum benefits due to death or permanent disability from accidental injury

Please note: Home-based Business Property and Home-based Business Public and Products Liability policies are separate policies. 

Target Markets 

  • Cottage Industry – clients who make products to sell or buy products to sell
  • Tuition – clients that teach something at home and/or away from home
  • Service – clients that provide a service eg hairdresser, graphic designer etc 
For more information or to arrange cover for you or your business, please contact the team at CIS Group.