If you work at home, and you think that your homeowner’s policy covers your business property, think again.

Congratulations! You’re an entrepreneur, one of the 1.3 million Canadians who run businesses from their homes. And we know you didn’t get where you are today without making important decisions, taking risks and spending significant money to get started. So, you should know that there is a good chance that your present homeowner’s policy does not cover your business property, or worse, you could be voiding you current homeowner’s coverage!

That’s where Steers Insurance comes in. As an example of the programs available, we have access to Lombard Canada’s "Homework" program. It is an option you can add to your Lombard "Personal Choice" homeowner’s package so you don’t have to purchase a separate business policy. One phone call can extend the "Personal Choice" coverage on your homeowner’s policy to make sure that your business property at home is protected!

These coverages, which you may not have considered, include:

PROPERTY COVERAGE

Business Property: "Homework" covers the loss or destruction of your business property, tools and equipment on your premises - up to your policy location limit.
Business Data: "Homework" covers the loss of valuable papers or other important business information.
Accounts Receivable: "Homework" covers the loss of the accounts receivable of your business to a limit of $10,000.

CRIME COVERAGE

Credit Cards/Counterfeit: "Homework" covers losses arising from business credit cards or ATM cards, forgeries or counterfeit money.
Increased Money Limit: "Homework" covers money lost on and off your premises.

BUSINESS INTERRUPTION COVERAGE

Loss of Business Income: "Homework" covers business income loss. For example, if your office is damaged by fire in your home, you’ll be covered for up to a year while you repair or rebuild.
Debris Removal: "Homework" covers the cost of removing debris as a result of loss involving your business property up to $25,000.00.

LIABILITY COVERAGE

Business Liability Protection: "Homework" covers bodily injury or property damage which arises out of products sold or manufactured by you as well as work that you have completed. "Homework" also provides personal injury and advertising liability coverages.

We want to help If you would like one of our service professionals to contact you, to quote on insurance coverage for working at home or to answer any questions you may have, please complete our online information form.