AJS INSURANCE

IN - HOME BUSINESS POLICY

Does your Homeowners Insurance Cover Your Business Losses? Probably Not!!!

More than 43 million Americans worked at home last year. Most of them were lucky. Some, however, had a fire...or were robbed...or were sued. Many didn't have the proper insurance. And many went out of business because of an uninsured accident.

The question to ask yourself this year is: Do I Feel Lucky?

Would your Homeowners insurance carrier pay if...

	Your business equipment was stolen out of your vehicle while at customer's business or residence?
	You accidentally knocked over the display located next to you when exhibiting at a local mall or craft show?
	You had inventory stored in your garage that was damaged by a fire or storm?
	A thief broke into your home and stole samples you use when meeting with customers?
	Lightning hit your home, damaging your computer and fax machine?

In-Home Business Policy (IBP) is available regardless of the carrier providing the underlying homeowners coverage.

Unique coverage for Home - Based businesses

IBP is a comprehensive policy that is specifically designed for in-home businesses. While standard homeowners endorsements offer some coverage, they are not designed to cover many business related losses. You may discover that you are underinsured after a loss occurs.

You get a Lot for a little

IBP is written for a wide variety of retail and service businesses. IBP offers a complete package to insure the home business owner's every need...at an affordable price including:

	Up to $50,000 Business Personal Property coverage, including theft both on and off premises.
	Up to $1,000,000 in Business General Liability protection both on and off premises.
	A standard $100 deductible.
	Up to $5,000 per person for medical payments to customers or vendors injured on your premises.
	Coverage for loss of business income.
	Optional coverage for Money and Securities and Electronic Data Processing.
	Premiums starting at $150 depending on the location and type of business.

Get the Answers you need at no obligation

Damage to inventory or customers goods...liability protection and theft coverage both on and off premises...medical payments to those injured on the premises...all of this and more!

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