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Home business solutions

If you are reading this, you are probably among the more than 15 million homeowners that operates a home-based business*. Unfortunately, 60% of those homeowners do not have the proper insurance coverage for their business.

The Hanover’s home business solutions program features four a la carte coverage options designed to offer protection to homeowners who operate certain types of business out of their home, or engage in periodic short-term rentals of their home.

These options can be added to your Hanover homeowners policy, so you won’t need a separate policy to cover your home business.


Home-based businesses

Man on phone working in home studio
Who's it for? Businesses located within a primary residence, with up to three employees, and regular visits from customers. 

One example: Paul runs his own marketing firm, and has one other employee, a designer. His company works with a few local businesses to help them support their branding efforts. They keep records of previous sales and campaigns in the company, along with payroll.

More examples: personal accountants. e-commerce, IT contractors

Learn more about this coverage



Sole proprietorships with inventory

Who's it for? Technically known as permitted incidental occupancies coverage, this coverage is geared towards sole proprietors or independent contractors with inventory to protect, but few or no visitors.

One example: Hannah is an artist who earns income painting large landscape images. She has a small shed where she keeps paintings that she has completed but not yet sold.

More examples: high-inventory direct sales, craftspeople, artisans

Artist smiling while working on a painting

Learn more about this coverage


Business pursuits

Instructor giving violin lesson
Who's it for? Employees or independent contractors who don’t need property coverage

One example: Holly is a music instructor who gives lessons both in her home and at the homes of her students. She has little inventory, so she only needs liability coverage.

More examples: low-inventory direct sales, educators, yoga instructors, consultants

Learn more about this coverage



Home sharing

Who's it for? Homeowners that use their home to generate income, and need protection against theft and property damage

One example: Josh travels a lot for work and decides to offer his home as a rental through a home-sharing app, like Airbnb, while he’s away.


Man welcoming guest into home

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The benefits of having one insurer

Male agent

The Hanover is committed to providing you with the auto, home and supplemental property insurance coverage you need to protect what matters most to you.

That's why we’ve made it easy to get the protection you need in one convenient bundled package. You’ll benefit from getting one policy, one coverage effective date and one bill. Plus, you also save money on both your auto and home premiums when both policies are insured with The Hanover.

Talk to your agent today

60% of home-based businesses are not properly insured. Don’t let yours be one of them.

Talk to your independent insurance agent today - or find an agent in your area - to discuss finding the best insurance fit for your home business, with The Hanover’s home business solutions.