Music Studio Insurance Plans

Our In-Home Business Insurance Plan Includes:

• Up to $1,000,000 in liability coverage for your business equipment, both on and off the premises.
• Up to $100,000 in business personal property (BPP) limits, to protect your equipment at home and while temporarily on location.
• A standard $250 deductible.
• Optional coverage for money and securities.
• Additional coverage for business liabilities if applicable.
• Available in all 50 states and the District of Columbia; regardless of the homeowners’ insurance provider.

Eligibility

• A home business is defined as a retail or service business operated from the insured’s place of residence, having the following characteristics:
• Operated by the policy holder and/or another immediate family member who resides in the insured’s household.
• Employing no more than 10 employees, not including independent contractors and distributors.
• Incidental to the occupancy of the building as a private residence.

Optional Coverage

• Money and securities (up to $10,000 on premise/$5,000 temporarily off premise).
• Electronic data processing equipment (data and media not to exceed $25,000). The sublimit for off-premises EDP coverage is $5,000. No other policy limit may be added to this sublimit.
• Additional business personal property coverage (in excess of the $5,000 automatically provided).
• Optional business liability limits, in addition to the coverage that is already provided.
• Option to add additional insured’s and coverages, based on business and insurance policy. Please contact for more information.