HOME-BASED BUSINESS COVERAGE is very limited in the Homeowners policy but business-related coverage can be added by endorsement. One endorsement expands coverage for only liability and medical payments, but another expands to provide much broader coverages that include property. Each carrier establishes its own criteria as to the types and amount of business activities they will entertain on a personal lines coverage form. It is very important to also consider the personal automobile implications.
(Use ACORD Form #74)
Related PF&M Articles:
Home-based Business Considerations
HO 24 71-ISO Business Pursuits Endorsement
HO 07 01-Home Business Insurance Coverage