Bomba Insurance Agency

In today's world, more and more people are operating businesses from the comfort of their own homes. While this setup has many benefits, it also presents unique risks and challenges that standard Homeowners or Renters insurance may not cover. That's where our Home Based Business Insurance Program comes in.

At our company, we understand that your home business is important to you, and we want to help you protect it. We offer a comprehensive insurance program specifically designed for home based businesses, providing coverage for a wide range of potential losses. Whether you're worried about theft, fire, or liability, we have you covered.

Why You Need Our Home Based Business Insurance Program

If you run a home based business, you may not realize that your standard Homeowners insurance may not protect you against losses stemming from your business activities. Many Homeowners and Renters policies specifically exclude losses from business activities, and when such losses occur, they can be devastating. Your business could be out of business, just like that.

Don't count on good luck to protect you. Count on our Home Based Business Insurance Program and you'll never worry about the security of your home based business again. Our program is specifically designed for home based businesses, providing coverage for a wide range of potential losses that standard Homeowners insurance may not cover.

What Our Home Based Business Insurance Program Covers

Our Home Based Business Insurance Program provides comprehensive protection for your home business, including:

• Damage to inventory or customers' goods
• Theft coverage
• Medical payments to those injured on your premises
• Liability protection

For an affordable premium, as low as $150 per year in many areas, you can receive coverage for all this and more!

Basic Policy Requirements

To be eligible for our Home Based Business Insurance Program, you must meet the following basic requirements:

• You live in a U.S. state or the District of Columbia.
• You are looking for business personal property insurance and business general liability coverage, NOT homeowners insurance, professional liability insurance or automobile insurance.
• Your business is home-based, not located in a retail store or commercial office space. However, it is OK to operate from another site, such as a craft show, on a temporary basis.
• Your home is the only permanent business location.
• The type of business you operate is eligible for the RLI policy.

Meeting these criteria does not guarantee that you are definitely eligible for coverage. If you do not meet all of the basic requirements outlined above, your business may not qualify for the Home Business Business Insurance policy. However, we encourage you to contact us to discuss your business insurance needs.

List of Eligible Businesses

Here is a list of some of the eligible businesses for our Home Based Business Insurance Program:

• Abstracting and Indexing Service
• Accounting Service
• Adjuster (Public or Independent Claim Adjuster)
• Advertising Specialty Items Sales
• Antique Gallery/Shop
• Appliance Sales/Repair
• Appraisal Service
• Art Gallery/Art Studio
• Artist Supplies
• Auctioneer
• Auditor
• Bakeries
• Balloon Art
• Barber
• Barber Supplies
• Beauty Supplies
• Beverage Vendor
• Billing Service
• Book/Magazine Distributor
• Bookbinding
• Bookkeeping Service
• Calligraphy
• Camera/Photography Sales or Repair
• Candle Sales, excluding sales of candles by individuals
• Candy/Nut Confections
• Car Detailer
• Cell Phone/Pager Sales
• Ceramics
• Clock or Watch Repair
• Clowns, Magicians, Entertainers excluding Bands and Disc Jockeys
• Computer Consultants and Trainers who are not involved in development of custom applications/programs
• Computer Repair
• Computer Sales
• Computer Service Bureau
• Cosmetics Sales (Avon, Mary Kay, etc.)
• Crafts, excluding manufacturing/distribution of candles made by individuals
• Database Management
• Dessert Vendor
• Desktop Publishing
• DJ
• Draftsman
• Dry Food Products/Mixes Vendor
• Editorial Service/Proofreaders
• Embroidery
• Engraving
• Estate Sale Services
• Expert Witness Consultants
• Financial Planning, excluding discretionary trading authority and/or access to customer's funds
• Floral Arrangement
• Food Broker
• Food Product Demonstrator
• Food Supplements/Vitamins
• Furniture Refinisher
• Games/Puzzles Vendor
• Genealogist
• Gift Delivery Service (balloons, gift baskets, etc.)
• Gift Shop