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Employment Practices Liability Insurance (EPLI)
If you’re running a business from your home, you may not have enough insurance to protect your business equipment. A typical homeowners policy provides only $2,500 coverage for business equipment, which is usually not enough to cover all of your business property. You may also need coverage for liability and lost income. Insurance companies differ considerably in the types of business equipment, which is usually not enough to cover all of your business property.

Regardless of the type of policy you choose, if you’re a professional working out of your home, you probably need professional liability insurance.

In addition to protection for your business property, most policies reimburse you for the loss of important papers and records, accounts receivable and off-site business property. Some will pay for the income you lose (business interruption) in the event your home is so badly damaged by a fire or other disaster that it can't be used for awhile. They may also pay for the extra expense of operating out of a temporary location.

Some in-home business policies allow a certain number of full-time employees, generally up to three.

In-home business policies generally include broader liability insurance for higher amounts of coverage. For example, they may offer protection against lawsuits for injuries caused by the products or services you offer.


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5005 200th ST SW, Suite 200 B, Lynnwood, WA 98036
Phone: (425) 673-7948 Fax: (425) 673-7942

IMPORTANT NOTE: This Web site provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable. Please feel free to contact us for further information.