It will soon be the season for holiday bazaars. Events held by churches and community organizations provide a marketplace for many home-based businesses to sell their goods. These home-based businesses are a great target market for RLI's Home Business Insurance policy.
Home-based business owners may think their homeowners or renters policies provide liability and medical payments resulting from their business activities. But in reality, most policies exclude coverage for business exposures.
Ask your customers about their home-based business exposures and review their policies to see if they need additional coverage. RLI's Home Business Insurance policy can be written for those who:
Make holiday cakes, pies and cookies.
Sell popcorn, candy and nuts.
Make ceramics, handicrafts and wood products.
Make holiday cards (including photographers).
Sell games, puzzles and retail toys.
Sell antiques and art.
Make leather goods, clothing and costume jewelry.
Don't see a risk listed? Check the full list of eligible businesses.
RLI can accommodate requests from bazaar venues require vendors to list the event organizer and property owner as an additional insured.
Coverage includes up to $1 million in business liability protection, up to $100,000 comprehensive coverage for business personal property and $5,000 per person for medical payments to customers injured on-premises, as well as coverage for loss of income.
The product is targeted at more than 143 retail and service risks that present minimal product or professional liability exposures. Coverage also extends to business personal property that is in transit or temporarily off-premises, such as when an insured is offering products at community centers, churches and local malls.
Learn more about RLI Home Business Insurance products.
Questions? Contact your state's RLI administrator.