Small business insurance from Homesite

Founded in 1997, Homesite Insurance is a subsidiary of the American Family Insurance group. Operating in 48 states of the U.S. and the District of Columbia, Homesite prides itself on its customer focus and its dedication to tailoring products which include a variety small business coverage options.

I want a Business Owners Policy from Homesite that starts today.

Find the right coverage for your business. It’s that simple.

What if I need property and general liability coverage?

That's a Business Owner's Policy

  • What does it cover? A BOP combines General Liability Insurance with Property Insurance to give you an affordable, convenient coverage solution that will protect you against property damage (e.g. fire damage to buildings, equipment getting damaged or vandalised) as well as against third-party claims (e.g. bodily injury, property damage, personal injury). It can also cover you against loss of income if your business has to temporarily stop operating due to an event, such as a natural disaster.

  • When do you have to have it? It is recommended for new businesses starting up. Small businesses such as restaurants and retail stores can benefit from a BOP as it insures them against certain unexpected losses outside of those only covered under General Liability Insurance.

  • Approximate Cost A BOP can cost $500 - $3000 approximately, depending on the size and nature of the business. Generally, costs will vary depending on your specific business, with the amount and value of your commercial property in particular impacting the premium.

Is Homesite right for my business?


Homesite offers solutions to businesses in many industries, including restaurants, small retailers, financial services providers and professionals such as lawyers, photographers and health specialists. If your business operates from a premises accessed by any non-employees (customers, contractors, etc.), then you can benefit from its Business Owner's Policy. If you're self-employed in a professional trade (e.g. beautician, veterinarian), then its Professional Liability cover could be for you. If you're in a niche industry, Homesite has certain bespoke options for customers such as lawn care services and hearing aid services. Its range of solutions covers many small business requirements.

How does Homesite compare?




Financial Strength

Homesite Insurance is headquartered in Boston, MA, and operates in 48 states in the U.S. The company was founded in 1997. It has a financial strength rating of A (excellent), which is an indication of how well placed the company is to pay out on claims. The Better Business Bureau (BBB) has given Homesite a rating of A+ in terms of its customer interaction and claims handling. This suggests good customer treatment when problems arise.

Check out other carriers

Depending on your industry and size of business, you’ll need different insurance coverages and will be evaluated differently by carriers. Check out the insurers below to learn about their offerings and how they may be applicable to your business:

With Coverwallet it's easy to find the right insurance for your business

  • Insurance experts are available 24/7 by phone, chat, and email. Our team will help you choose the right policy for your business and answer all your questions.

  • Request certificates of insurance and track them easily, whether they're for tenants, suppliers, or your own business.

  • Get a quote in minutes online. It couldn’t be easier, or faster. We’re with you every step of the way.

  • Compare your coverage against others in your industry to make sure you’re fully protected, particularly as your business grows.