Protect your home-based business with coverage that goes beyond your standard home insurance. Running a business from home comes with unique risks—and most homeowners policies don’t cover them. Whether you’re a consultant, an online retailer, or a contractor working from your garage, you need specialized protection for business liability, inventory, equipment, and client interactions. Regal Insurance works with Canada’s top insurers to design home business coverage that keeps your livelihood safe—without unnecessary costs or gaps in protection.
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Home-based businesses are growing in Ontario, from online stores to professional consultants. But many owners don’t realize that home insurance doesn’t protect business operations. A stolen laptop, a customer slipping during a home meeting, or damaged inventory from a basement flood may not be covered without a dedicated policy.
With Regal Insurance, you can:
– Compare home business insurance quotes from Canada’s leading providers
– Protect business equipment, inventory, and client data
– Add liability coverage for client visits or off-site work
– Bundle coverage with your personal home insurance for added savings
Whether you’re shipping products from your kitchen, freelancing as a designer, or operating a salon in your basement, Regal makes sure your business is properly insured.
Reach out today for your free home business insurance quote.
From protecting your physical space to securing your operations, Regal Insurance offers tailored business insurance solutions across industries. Explore our most popular commercial insurance products below to build a coverage plan that fits your unique business.
Protects your business against third-party injury, property damage, and legal claims—an essential layer for any operation.
Covers lost income if your business is forced to temporarily close due to insured events like fire or equipment breakdown.
Whether you operate a single service van or a full delivery fleet, we offer coverage that keeps your vehicles and drivers protected.
Tailored protection for trades like construction, plumbing, electrical, roofing, and more—including tools, liability, and job site coverage.
Protects your business from data breaches, cyberattacks, and privacy claims with dedicated digital risk coverage.
Helps cover the repair or replacement of critical machinery after mechanical or electrical failure.
Covers legal costs and damages if your product or service causes harm, loss, or injury.
Specialized coverage for commercial landlords, property managers, and vacant landowners across Ontario.
Insurance packages designed for storefronts, restaurants, spas, and hotels—covering everything from inventory to liability.
Commercial insurance doesn’t need to be confusing. At Regal Insurance, we simplify the process by comparing quotes from top Canadian providers to find the right protection for your business, assets, and operations.
As an independent brokerage, we work for you, not the insurance companies. Our licensed Ontario brokers understand local regulations, industry risks, and what matters most to business owners like you.
From small startups to multi-location operations, we proudly support businesses across Ontario—including Kitchener, London, Mount Brydges, Cambridge, and Oakville.
About UsConnect with our brokers for customized insurance solutions that outdo big providers. Specializing in Ontario commercial insurance, we compare Canada’s top insurers to ensure you receive the right coverage at the best possible price.
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Home business insurance bridges the gap between personal homeowner’s coverage and full-scale commercial insurance. While your home policy protects personal belongings, it generally excludes business use — leaving your equipment, liability exposures, and income streams unprotected.
Consider a few common scenarios. If a client visits your home office and slips on the stairs, your personal liability coverage won’t apply. If stored inventory in your basement is ruined by a flood, your home insurer will likely deny the claim. And if your laptop is stolen while you’re meeting a client off-site, your home contents coverage won’t cover that loss.
A dedicated home business policy is designed to close these gaps, protecting both your residence and your livelihood from costly setbacks.
Protects laptops, monitors, printers, tools, merchandise, or other business property against theft, fire, or water damage. Coverage extends to items stored in your home, garage, or even a vehicle in some cases. For example, if your basement workshop floods and destroys $10,000 worth of handmade goods, this coverage ensures you aren’t left replacing inventory out of pocket.
If a client, courier, or supplier visiting your home is injured or their property is damaged, you could face lawsuits or medical claims. General liability coverage pays for legal defense, settlements, and medical expenses. For instance, if a delivery driver trips over equipment in your driveway, your personal policy won’t respond — but your home business liability will.
When a fire, flood, or insured peril damages your home, you may lose the ability to operate your business. Business interruption coverage helps replace lost income and cover ongoing expenses (rent, utilities, payroll) until you’re back up and running. Without it, many small home businesses struggle to survive downtime.
Home-based doesn’t always mean “at home.” This coverage follows you when you’re meeting clients, attending trade shows, or working from another location. If your laptop is stolen from a hotel room during a conference, or your equipment is damaged en route to a client site, off-site coverage ensures you’re protected wherever business takes you.
Even small home businesses are prime targets for cybercrime. Cyber liability covers data breaches, phishing scams, and compromised payment systems. If customer credit card data is stolen from your online shop, this coverage pays for breach response, notification, credit monitoring, and legal defense.
If a product you manufacture, craft, or sell causes injury, illness, or damage, you could face costly lawsuits. Product liability covers legal defense and settlement costs. For example, if a candle you sell online causes a fire in a customer’s home, this protection prevents a lawsuit from bankrupting your business.
If you provide advice, consulting, or design services, a mistake could cost a client financially. Professional liability covers negligence claims, misrepresentation, and failure to deliver professional services. For example, if a consultant provides flawed advice that causes client losses, this coverage pays for legal defense and damages.
Once you hire employees or contractors, you face new risks. Employer’s liability covers workplace injury claims, wrongful termination, or harassment claims that fall outside standard workers’ compensation (WSIB). It ensures disputes with staff don’t turn into crippling financial losses.
We partner with Canada’s top auto insurance providers so you can compare quotes side by side, choose the best coverage for your needs, and lock in a competitive rate, without the hassle.
Home business insurance doesn’t need to be expensive. The key is aligning your policy with your actual risks — not paying for coverage you don’t need, while still protecting your livelihood. Regal brokers help Ontario entrepreneurs find affordable solutions by applying these proven strategies:
One of the easiest ways to save is bundling your home and business insurance. Insurers often provide discounts when both policies are with the same company. For example, a consultant operating from a home office can combine their homeowner’s policy with a business endorsement, cutting administrative costs and unlocking a lower overall premium.
Raising your deductible lowers your monthly premium — but it also means higher out-of-pocket costs if you make a claim. The key is balance. For instance, if you run a small graphic design business with minimal physical assets, choosing a higher deductible may make sense since your main risks are low frequency but high severity (like liability lawsuits).
Not every home business needs every type of coverage. A crafter selling online doesn’t need the same policy as a consultant meeting clients in their home office. Tailoring your coverage to your industry, equipment, and liability exposure prevents overpaying for protections you’ll never use.
Proactive risk management can directly impact your premium. Simple steps like installing proper locks on storage areas, securing client data digitally, or creating a visitor safety policy (clear walkways, non-slip mats) demonstrate responsibility and reduce your exposure. Insurers reward these efforts with better rates.
Your operations, assets, and risk profile change over time. Reviewing your policy annually ensures you’re not overpaying for outdated or excessive coverage.
Want more insights on how to reduce insurance costs for your business? Visit our Help Centre to explore practical guides on policy optimization, risk management, and commercial insurance best practices.
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Home business insurance extends protection to businesses operated out of your residence. A standard homeowner’s policy usually excludes or limits business-related risks, so this specialized coverage is essential. It typically includes:
It’s important to note that without home business insurance, claims involving business activities may be denied under your standard home policy.
No, it’s not legally required in Ontario. However, many landlords, condo boards, or mortgage lenders require proof of coverage if you’re running a business from home. Additionally, clients and suppliers may request liability coverage before working with you. Even without formal requirements, carrying home business insurance is a prudent safeguard.
Any entrepreneur or professional operating from their home should consider coverage. This includes:
Even if your business is small, one claim could lead to significant financial loss without proper protection.
Premiums depend on business type, property location, and coverage limits. A small, low-risk business may pay as little as $200–$500 per year, while larger home operations with inventory or client traffic may pay $1,000 or more. Cyber liability or professional liability add-ons may further influence the cost.
Several factors determine cost, including:
Yes, there are several strategies:
Working with a broker ensures you balance cost savings with sufficient protection.
Homeowner’s insurance covers your personal dwelling and belongings, but it typically excludes business-related risks. Home business insurance fills that gap by protecting work equipment, inventory, and liability arising from business activities. Without it, claims linked to your business may be denied.
Yes. Liability coverage extends to accidents that occur when clients, couriers, or delivery drivers visit your residence. For example, if a client slips on your steps, your home business policy covers medical costs and legal expenses. Without this coverage, you may have to pay out of pocket.
Yes. Even if you run an online-only business, you may still face risks such as data breaches, cyberattacks, or lost income if your systems go down. Cyber liability and business interruption add-ons can be tailored to digital-first operations. Equipment stored at home, such as servers or computers, is also covered.
Coverage levels vary depending on the nature of your work. Many home businesses start with $500,000–$2 million in liability coverage. Businesses storing inventory or valuable equipment may require higher property limits. A broker can help assess the right level for your needs.
Yes. Many providers allow you to combine home, auto, and business coverage into one package. Bundling not only reduces costs but also simplifies claims and renewals by consolidating policies under one insurer.
Absolutely. Regal Insurance offers personalized service through our brokers, available via phone, email, or in-person consultations
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