Home Business Insurance Coverage in California

Home Business Endorsement

What We Offer

Home Business Endorsement Coverage in California

Protect Your Home-Based Business with Confidence Running a business from home offers convenience, flexibility, and cost savings — but it also comes with unique risks. Most people assume their Homeowner insurance covers their home-based business, but that’s rarely the case. That's where a Home Business Endorsement comes in. At Western Insurance, we help California homeowners protect their personal and business assets with comprehensive solutions tailored for home entrepreneurs. Whether you’re a freelance graphic designer, online retailer, or consultant, our endorsement options are designed to bridge the gap between personal coverage and commercial exposure.

Homeowners Insurance

What Is a Home Business Endorsement?

A Home Business Endorsement is an add-on to your existing homeowners insurance policy. It provides additional coverage for business-related equipment, inventory, and liability — without the need for a full commercial policy. This endorsement is ideal for those operating low-risk businesses from their residences.

Why You Need It

Even a small home business can create big risks. Imagine a client slipping on your front porch during a meeting or your laptop (with critical client data) getting stolen. Without proper coverage, you could face major out-of-pocket costs.

A home business endorsement provides protection for:

Business equipment and electronics
Inventory stored at home
Client and delivery-related liability
Off-premises business property
Loss of business income due to covered events

Common Businesses That Qualify

Not all home-based businesses require the same level of insurance. Our specialists will help assess your situation, but businesses like the following typically qualify:

Freelance writers and designers
Online retail sellers
Consultants and coaches
Crafters and artisans
Photographers
Tutors and educators

For higher-risk or client-facing businesses, a standalone General Liability insurance policy may also be necessary.

The Best Homeowners insurance in town

Need Help?

+1 (866)-226-4436

We provide trusted and affordable homeowners insurance tailored for California residents. Our goal is simple: to help you protect your home, belongings, and peace of mind with coverage that fits your life. With expert guidance and flexible options, we’re here to make insurance easy and reliable.