Under a homeowners policy, is a home-based business covered for business losses?

The BUSINESS PURSUITS exclusion in standard homeowners policies excludes: bodily injury or property damage arising from business activities (Coverage E liability); business property beyond sublimits (typically $2,500 at home for business property under Coverage C). This means: if a client slips and falls during a business meeting at your home-office, Coverage E may not pay (business pursuits exclusion). If your $20,000 worth of business computer equipment burns with your house, Coverage C will only pay $2,500. Options for home-based businesses: Home Business Endorsement (adds limited business coverage); In-Home Business Policy; Business Owners Policy (BOP) — depends on the size and type of business.