HOME BASED BUSINESS INSURANCE 
DO YOU OWN A HOME BASED BUSINESS IN HALDIMAND COUNTY?
A business is a business; even if yours is based out of your house, your home insurance policy just isn’t enough. Whether you’re a solopreneur or running a larger operation, Cayuga Mutual offers insurance coverage for home-based businesses in Cayuga, Caledonia, Hagersville, Dunnville, Jarvis and beyond.
The right business insurance will cover what your home insurance won’t, from tools and equipment to commercial liability, business interruption and more. Contact Cayuga Mutual today to get started with a home-based business insurance plan that fits your unique circumstances.
WHAT DOES HOME BASED BUSINESS INSURANCE COVER?
Running a home business requires a range of insurance coverages to ensure every aspect of your commercial activities are protected. We offer the following types of coverage to home-based business owners and entrepreneurs living in Haldimand County
SELECT YOUR COVERAGE
WHAT DOES BUILDING OR RENTED SPACE INSURANCE COVER?
Provides coverage options that protect your property from which you run your business.
WHAT DOES INSTALLATION FLOATER INSURANCE COVER?
Provides coverage options for materials on site (installed or in process) during the contract period. Also, provides coverage options for material in transit to the worksite.
WHAT DOES OFFICE CONTENTS INSURANCE COVER?
Provides coverage options for your company assets located inside your place of business, whether you rent, own your own building, or operate from a home office. The types of property or contents usually protected against damage, theft or loss include: Office furniture, Computers, Inventory and stock on hand, Machinery, Equipment.
WHAT DOES TOOLS & EQUIPMENT FLOATER INSURANCE COVER?
Provides coverage options for hand tools and new acquisitions up to $10,000. Additional options are available to provide coverage for short-term (30 day) rentals.
WHAT DOES CRIME INSURANCE COVER?
Provides coverage options to the several ways that your business is exposed to crime. Whether it be crime within the organization or without, crime insurance provides coverage for events not covered by property or liability insurance.
WHAT DOES EQUIPMENT BREAKDOWN INSURANCE COVER?
Provides coverage options for accidental breakdown of the equipment that your business relies on for day to day operations.
WHAT DOES LOSS OF INCOME INSURANCE COVER?
Provides coverage options that compensates you for your lost income while your business is closed due to an insured loss.
WHAT DOES BAILEE INSURANCE COVER?
Provides coverage options to protect you in the case of loss or damage to your customers’ goods while in your possession for storage, repair, or servicing. It includes coverage for customer property in transit to and from your premises.
WHAT DOES COMMERCIAL GENERAL LIABILITY INSURANCE COVER?
Provides coverage options for protection against: accidents involving visitors or customers at your location; property damage to third parties caused by your product; injuries or property damage at a customer’s location.
WHAT DOES BUSINESS INTERRUPTION INSURANCE COVER
Provides coverage options that protects you from financial losses in the event that your business is closed due to losses caused by perils such as property damage or theft. This important coverage complements your property insurance, allowing you to meet your financial obligations during the time your business is closed for recovery.
OUR DISCOUNTS
Let us help you find the home business insurance plan that meets your unique needs… and save some money while doing so! Based on specific circumstances, you could be eligible to save even more.
SELECT YOUR DISCOUNT
CLAIMS FREE
Your Claims Free Discount rewards you for no claims in the past three years.
MONITORED ALARM
Your Monitored Alarm Discount rewards you for the installation of a professionally monitored alarm system.
THE MUTUAL WAY
When you’re insured by a mutual insurance company, your premiums stay in the community, employing neighbours, supporting the local economy and giving back. Cayuga Mutual Insurance is proud to offer insurance policies for home business owners in Haldimand County that are tailored to your specific needs.
Whenever you have a question or a claim, someone you know and trust will be right there to help. It’s not the way every insurance company does business, but it’s the Mutual Way.
FREQUENTLY ASKED QUESTIONS
When the primary office of the business owner is on the same property where he/she is residing, that type of business is a home-based business. The company can be of any size, and the business owner does not have to be the owner of the property.
The short answer is no, homeowner’s insurance alone is not adequate coverage for a home-based business. Likewise, a commercial insurance plan won’t cover certain problems that could arise related to your personal space and living.