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Big “I” Home Business Insurance


RLI's Home Business Policy provides affordable coverage for those people who operate small home-based businesses. Insureds often believe their existing homeowners or apartment-dwellers policy will cover any loss or damage to their business equipment, furniture and supplies in the event of fire, theft or other catastrophe, when in fact, those policies usually explicitly exclude coverage for any business exposures on their premises. The RLI Home Business Policy is targeted for over 140 retail and services risks operated from the insured's residence and presenting minimal product liability, professional liability and/or off-premises exposures. Contact your dedicated RLI state administrator to learn more.


  • This policy meets the needs of eligible home-based businesses at affordable prices—premiums start at $150.
  • The policy includes coverage for theft or damage to business property, liability coverage for clients visiting an insured's home for business purposes, and coverage away from home in case of damage to others' property.
  • Optional coverages also include inland flood, unmanned aircraft, identity theft, and more.
  • More than 140 types of businesses are eligible. 


  • No minimum volume requirements or access fees
  • Easy underwriting
  • Self-rating application
  • Direct bill at new business and renewal via credit card and ACH
  • Availability regardless of the carrier providing the homeowners or apartment-dwellers coverage


  • Residential Inspection Services
  • Teacher/Tutors
  • Photographers
  • Accounting Services
  • Bakers 
  • Computer Consultants
  • Interior Decorating
  • Jewelry (Costume)
  • Art Gallery / Art Studio
  • Crafts

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Big “I” Home Business Insurance RLI's Home Business Policy provides affordable coverage for those people who operate small home-based businesses.