Talk to a broker about extending your home insurance policy if you run a small business from home.

  • Protect your business income
    If a fire in your home prevents you from conducting business, your home-based business insurance policy would provide coverage.
  • Broad business property coverage
    Your business furniture for professional use, contents, equipment, stock held for sale, office supplies, computers are covered.
  • Outstanding claims experience
    If you need to submit a claim for the business that you operate from home, know that our claims team is available 24/7 to support you through every step of the way.


If you own a home-based business, you do not get personal liability or commercial property coverage under your standard home insurance policy for your business. Whether you’re a freelancer, run an online shop or have client consultations at home, by adding home-based business insurance to your existing home policy, you can have the right protections for your business.

Our home-based business insurance policy will cover the damage to business property for professional use of the policy owner both on and off-premises:

  • Business equipment
  • Furniture
  • Tools
  • Business inventory and goods that are held for sale
  • Property of others for which you are liable
  • Computers and licensed software
  • Cellular phones

Our home business insurance provides you with coverage in case of business interruption. It will cover the reduction in income if if your operates are impacted due to loss, damages and destruction of the business property.

Home-based business insurance offers you personal liability coverage if you're sued and held legally liable for the unintentional damage to the property of others, advertising injury, or bodily injury caused to others that arose due to your business activities.

No matter what happens, we’ve got your back

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We’re there when you need it the most.

At Intact Insurance, we’ve got your back. We’ll help you get through the insurance claims process as quickly as possible, provide advice on what to do next and walk you through every step of the way. Plus, with our online services, you can submit and track your claim at any time.

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How do I insure my home-based business?

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It’s simple! Home-based business insurance can be added to your home insurance policy. If you’re not already an Intact Insurance customer, the first step is to get a home insurance quote for your principal dwelling online, by phone or through your broker. Then, make sure you specify that you are also looking to have additional coverage for your home-based business, so that you add this additional coverage to the property’s policy if eligible. Don’t hesitate to reach out to your broker to discuss your home-based business insurance needs.

What is home-based business insurance?

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Home-based business insurance, also known as home business insurance, protects the business that you operate from your property. It provides coverage for office furniture, business equipment, merchandise both on and off-premises, and business interruption coverage. It also includes personal liability insurance, which protects you if you are held liable for damages caused by your business activities.

What is included in home-based business insurance coverage?

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Home-based business insurance covers the property of your business, business interruption, and liability insurance. For more details about your coverage, refer to your broker or to your insurance policy documents.

What type of home-based business do you insure?

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We offer coverage for a wide range of home businesses. Whether you’re a graphic designer, music teacher, copywriter, have an online store, architect, notary, accountant, travel planner, consultant, tailor, etc., we could have the right coverage for you and your home business. Please note that the list of eligible home businesses can change at any time. Reach out to your insurance broker to know if your professional activities are eligible.

Why should I get home-based business insurance?

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You should get home business insurance as your home insurance does not cover damages caused by your business operated from home. It leaves your business (and your home!) exposed to a lot of risks. With a home-based business insurance policy, you’ll get peace of mind knowing that your business and your home are covered.

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Talk to a broker in Ontario

It can be a challenge to find the right type of coverage you need on your own. That’s why we have over 2,000 broker relationships across Canada. Insurance brokers are highly skilled in assessing your insurance needs and offer the right coverage for your situation and budget. Call a broker today to talk about your needs and get a quote.

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Get a home-based business insurance quote

Protect your home-based business with the right coverage for your needs by contacting a broker or by calling us. Getting a quote is the first step to protecting the business you operate from home.