RLI In-Home Business Policy


Home-based business is one of the fast growing business markets in the country. According to the U.S. Department of Labor Bureau of Labor Statistics, about 1 in 9 workers was self-employed in 2009. With such high numbers, are you missing an opportunity to better serve your customers?

As an independent agent, whenever you write a homeowners policy you should ask if the customers runs a full or part time business from home. Many homeowners don’t realize that their homeowners’ policies exclude coverage for business pursuits; offering the RLI In-Home Business Policy covers your clients’ operations while reducing your exposure to E&O loss. RLI provides coverage using an ISO BOP form that provides broad coverage for business-related exposures. Premiums start as low as $150.

Why RLI In-Home Business Policy?

  • 12 percent commission on new and renewal business.
  • Revenues generated to FMS are included in the calculation for earning the Utilization Bonus.

Become a subagent!

Tips for Submitting HBP Applications
In-Home Business Policy Application (pdf)
In-Home Business Policy Supplemental Application (pdf)
2015 In-Home Business Policy Changes
In-Home Business Policy Rates (effective 3/1/15)
HBP Rating Worksheet (pdf)
Business Eligibility Class Descriptions (pdf)
Quick Quoter (If you are set up for RLI access, please log into RLI to quote) (excel)
HBP Renewal Process

Sales Tools
In-Home Business Policy Flyer (pdf)
Order free brochures in bulk online