Unfortunately, a traditional homeowner’s insurance policy provides very limited protection for items in a typical home office. As a result, the Home Office Protection Plan was developed. This coverage provides extra protection over any losses that occur at your home office. Homeowner’s policies don’t provide coverage for business-related liability claims that occur at your home, or temporary relocation expenses in the event that your home office is unusable as the result of a covered loss. This coverage as outlined below (subject to certain sub-limits) is provided at no extra charge to Alliance Members.

Home Office Equipment:

• $7,500 per occurrence ($2,500 maximum per item)
• No deductible if other coverage exists ($100 deductible if there is no other coverage)

• Maximum $500 per month

• $20,000 business liability coverage (at residence)

• Fire/Lightning
• Ice/Snow damage
• Windstorm/Hail
• Explosion
• Vandalism
• Theft
• Burglary

Restrictions: This is a brief description of the coverage offered under the Blanket Home Business Personal Effects Policy, Master Policy #SE121943 and applies only to Members in good standing with the association. This coverage is excess and subject to limitations and exclusions. The loss must occur at your residence premises. This protection does not provide products liability protection, Errors & Omissions or coverage for acts occurring away from the home business location (residence premises). Liability protection doesn’t cover Workers’ Compensation or Long Shoremans/Harborworkers Act.

• E & O Coverage
• General Liability