Businesses That Commonly Operate From Home
These professions often run their core operations — scheduling, editing, planning, communication, or production — directly from a home office, home studio, or home workspace.
Creative & Digital Services
- Photographers / Videographers (editing, admin, studio work at home)
- Bakers / Home Bakers (cottage food operations)
- Event Planners / Coordinators (remote planning and coordination)
Professional & Personal Services
- Tutors / Teachers (online or home‑based sessions)
- Notaries (mobile or remote online notarization)
- Personal Trainers / Fitness Instructors (virtual training or home gym setups)
- Barbers / Beauticians / Cosmetologists (home salon setups where permitted)
- Pet Grooming / Pet Sitting / Dog Walking (home grooming or home‑based admin)
Repair & Tech Services
- Mobile Device / Computer Repair (home workshop)
- Locksmiths (dispatch and admin from home)
Home‑Operated
Businesses With On‑Site Work (Hybrid)
These businesses often manage scheduling, billing, and equipment storage from home, but the actual work takes place at client locations.
- Handyman / Home Repair
- Appliance Repair
- Furniture Installation
- Closet Installation
- Home Theater / AV Installation
- Alarm / Security System Install
- Sprinkler System Install
- Lawn Care / Landscaping
- Janitorial Services
- Window Cleaning
- Gutter Cleaning
- Carpet / Rug Cleaning
Important Notices
Non‑Profit Coverage
It’s not you, it’s us. We’re unable to offer non‑profit coverage at this time. Thank you for considering us.
Building Coverage for Rented Premises
Heads up! We don’t offer Building Coverage for rented premises. Your policy can still cover business personal property inside the building, but check with your landlord to ensure you meet their requirements.
Small Business & Contractor Insurance Hub
Insurance guides for service professionals, contractors, and home‑service businesses.
Not every business fits into the event‑industry ecosystem — and that’s why this dedicated hub exists. Whether you run a cleaning service, landscaping company, handyman business, or pest control operation, you face unique risks that require specialized insurance.
This hub brings together all contractor and service‑business insurance guides so you can quickly find the coverage that protects your work, your equipment, and your clients.
Explore Contractor & Service Business Insurance Guides
- Each guide includes:
- What insurance your business needs
- Common risks in your industry
- Coverage requirements for clients or job sites
- Cost expectations
- COI and additional insured details
- Real‑world examples
Featured Insurance Guides
- Pest Control Insurance — Covers chemical exposure risks, property damage, equipment liability, and client claims.
- Janitorial Insurance — Protects cleaning companies from slip‑and‑fall claims, property damage, and equipment losses.
- Handyman Insurance — Coverage for general repairs, property damage, tool theft, and client disputes.
- Painters Insurance — Protects painting contractors from overspray damage, ladder accidents, and property claims.
- Pool Cleaning Insurance — Covers chemical handling, equipment damage, and liability for residential or commercial pools.
- Landscaping Insurance — Protects landscapers from equipment damage, property claims, and job‑site injuries.
- House Cleaning Insurance — Coverage for accidental damage, breakage, slip‑and‑fall claims, and client property issues.
- Accidental property damage
- Injuries on job sites
- Chemical or equipment‑related incidents
- Client disputes or claims
- Tool and equipment theft
- Contractual insurance requirements
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Why Contractors Need Insurance
Service businesses face risks every day, including:
The right insurance protects your business, your clients, and your reputation.
