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Home Business Application

Home Business Rates

For more information contact:

Carol Wilson
(217) 321-3011

Janet White
(217) 321-3010


FACT: Nearly 60% of Home-Based Business Owners Don't Have Insurance
OPPORTUNITY: RLI 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, however, is not intended for all types of home business. It is specifically targeted for over 100 retail and services risks operated from the insured's residence and presenting minimal product liability, professional liability and/or off-premises exposures. ​

Program Benefits

Benefits For Your Clients

  • Provides coverage for over 145 classes of small retail & service-type home-based businesses
  • Affordable rates
  • General liability coverage up to $1 million
  • Loss of business income protection up to 12 months available
  • Broad coverage with off premises theft included
  • RLI is admitted and A.M. Best "A+" rated
  • Up to $100,000 (varies by state of risk) comprehensive coverage for business personal property both on- and temporarily off-premises
  • Up to $5,000 per person for medical payments to customers injured on the insured's premises
  • Optional coverage available for Additional Insureds, Money & Securities, Electronic Data Processing Equipment (varies by state of risk)

Benefits For You

  • 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
  • Competitive rates starting at just $125 annually, depending on the location and type of business

Top 10 Classes

Popular Business Classes Include: 

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

All classes subject to further underwriting guidelines.

Free marketing material for agents - click here

Agents: Customize and print flyers to use in your office - click here and then scroll to the bottom of the page.

Download the Home Business Decline Form here.