Home Business Insurance in Ontario, Canada

Protecting Your Business at Home

Running a business from your home doesn’t mean you’re free from risks. Standard home insurance usually does not cover business activities, meaning your equipment, inventory, or liability may not be protected. At Solutions Insurance Group, we provide tailored home business insurance so you can focus on growing your business with peace of mind.

🔎 What Is Home Business Insurance?

Home business insurance extends your coverage beyond standard home insurance. It protects the business side of your home operations, including equipment, supplies, inventory, and liability.

Coverage may include:

• 🛠️ Business Equipment – Computers, printers, tools, or specialized machinery
• 📦 Inventory Coverage – Stock, products, or raw materials stored at home
• ⚖️ Liability Protection – If a client, delivery driver, or visitor is injured at your home office
• 💡 Business Interruption – Lost income if your home is damaged and you can’t operate

📝 Is Home Business Insurance Mandatory in Ontario?

• By law: It’s not mandatory.
• By lenders/insurers: Many home insurers require you to disclose home business use, otherwise claims could be denied.
• By contracts/clients: Some contracts require proof of business liability insurance — even if you work from home.

👉 Even small home-based businesses benefit, since standard home policies typically exclude business-related claims.

🌟 Who Needs Home Business Insurance?

• Freelancers & consultants
• Home offices (IT, accounting, marketing, design, etc.)
• Online sellers (e-commerce, Etsy, Amazon, Shopify)
• Contractors & trades working from home
• Daycare providers & tutors
• Wellness professionals (massage, physiotherapy, counseling, etc.)
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🌟 Optional Coverages for Home Businesses

• Cyber Liability – Protection if you store customer data or sell online
• Professional Liability (E&O) – Covers mistakes or professional negligence
• Product Liability – For businesses that sell or distribute products
• Commercial Auto – If your vehicle is used for deliveries or client visits

🛡️ Why Use a Broker for Home Business Insurance?

Every home business is different. Our brokers help you:

• ✅ Avoid gaps in your standard home insurance policy
• ✅ Compare rates from top Ontario insurers
• ✅ Customize coverage for your type of business
• ✅ Bundle home + business coverage for savings.
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