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Protect your hard work with Homesite Small Business Insurance - Underwritten by Midvale Indemnity Company

You've poured too much into your small business to leave it unprotected. Protect your time, money and hard work from the unexpected with small business insurance.

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Small Business Coverage

Your small business policy will come with the following coverages:

Business Owners Policy (BOP):

A BOP protects your small business from a variety of risks through a combination of general liability and property insurance.

Do I need it?

Small businesses such as restaurants, retail stores and independent contractors typically need a BOP to protect them against unexpected financial losses beyond their general liability claims.

General Liability:

General liability provides protection if you cause bodily injury, property damage, personal injury or advertising injury.

Do I need it?

As a small business owner or contractor, general liability insurance is a necessity to cover lawsuit costs if you were to get sued for negligence, property damage, injury or slander.

Business Personal Property:

Business personal property insurance provides replacement cost coverage for buildings and most business owners' personal property.

Do I need it?

If you've made improvements to your business's building or if you own things like computers, laptops, printers or office supplies, this coverage can protect those investments from damage or theft.

Optional Coverages:

Every small business owners' situation is unique. If you need a little extra protection, take a look at available optional coverages:

  • Electronic Commerce coverage
  • Equipment Breakdown coverage
  • Hired and Non-Owned Auto Liability
  • Money and Securities
  • Outdoor Signs
  • Utility Services - Direct Damage
  • Utility Services - Time Element
  • Water Back-up and Sump Overflow

Who we cover:

We're always working to expand the types of business we insure. If you don't see your small business type in this list, email us to see if you can still be eligible.


Lawyers, Accounting Services, Financial Services, Realtors, Consultants, etc.

- Professional Liability excluded

Medical Offices

Acupuncturist, Chiropractor, Podiatrist, Speech Therapist, etc.

– Professional Liability excluded


Small animals – Professional Liability offered

Small Retail

Clothing Stores, Toys Stores, Specialty Food Stores, Furniture and Housewares, Electronics, Computers, etc.


Barbers and Beauticians

Professional Liability offered

Funeral Homes

Professional Liability offered

Print Shops

Professional Liability offered

Photographers and Videographers

Landscaping and Lawn Care Services

Optical Goods Stores

Professional Liability offered

Hearing Aid Stores

Professional Liability offered

Auto Parts Stores

No repair or sale of used parts

Residential Cleaners

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