Hanover home business solutions

To protect your home business, we offer four coverage options ("endorsements") for addition to your home policy. A Hanover homeowners policy is required to add any of these endorsements.

Business pursuits

This option is for employees or independent contractors who don't need property protection. Coverage includes:

• Bodily injury liability
• Property damage liability

Permitted incidental occupancies

This coverage is for sole proprietors or independent contractors with inventory to protect, but few or no visitors. Coverage includes:

• Bodily injury liability
• Property damage liability
• Business property (up to Coverage C)
• Business in other structures (optional)

Home-based business

This protection option is for businesses located within a primary residence, with up to three employees and regular visits from customers. 

• Bodily injury liability
• Property damage liability
• Business property (up to Coverage C)
• Personal and advertising injury
• Accounts receivable
• Valuable papers and records
• Business income
• Business in other structures

Home sharing

This option is for homeowners that use their home to generate income, and need protection against theft and property damage.

• Bodily injury liability
• Property damage liability
• Landlord's furnishings
• Lost rental value
• Damage to renter's belongings