The short answer
US HO-3 covers up to $2,500 of business property on-premises and $500 off-premises, with no business liability. Add a home business endorsement for small operations, or a Business Owners Policy (BOP) for inventory, client visits, and professional liability.
Frequently asked
- Are client injuries covered?
- No — business liability is excluded from HO. Need BOP or CGL.
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