Home-Based Business Insurance

Farm Bureau Member's Choice can help you protect what's important with its Home-Based Business insurance coverage. It provides:

  • Business Liability Coverage — Protects against bodily injury, property damage and personal injury/advertising injury that may occur on your business premises and as a result of your operations and products.
  • Medical Payments to Others — Pays reasonable and necessary medical expenses per occurrence to someone injured within three years of the accident that caused the injury according to the limits you select.
  • Hired and Non-Owned Auto Coverage — Extends to some automobile coverage to your business.

Protect Your Home-Based Business
To insure your home-, farm- or ranch-based business, your primary residence must be insured with property and liability coverage through Farm Bureau Member's Choice. Your Farm Bureau agent can provide more information regarding specific requirements necessary to insure your home-based business, including the number of employees allowable, gross income minimum and maximum limits, maximum number of animals on premises, etc.

Below is a listing of some of the home-based businesses that can be protected with a Farm Bureau Member's Choice policy:

• Animal Care/Grooming
• Arts/Crafts/Hobbies
• Barbers/Beauticians
• Bed and Breakfasts
• Bookkeeping/Secretarial
• Caterer/Bakery
• Computer Service
• Commercial Application of Pesticide
• Custom Farming/Feeding
• Day Care/Home Care
• Electric Motor/Small Engine Repair
• Farmer's Market/Road-side Stands
• Gift Shop
• Hunting Preserve (no outfitters)
• Independent Distributor - Avon, Home Interior, etc.
• Lawn Mowing
• Nurseries
• Photographer Studio
• Printing/Writing/Desktop Publishing
• Rental Dwellings/Property
• Seed Dealers
• Sewing/Tailoring
• Studio - music, dance, aerobic, etc.
• Snow Plowing
• Taxidermy
• Teaching/Tutoring
• Upholstery
• Woodworkers


Find a Farm Bureau agent today to determine the type and amount of home-based business insurance that is right for you.

IMPORTANT: The information and material contained on this Web site is not an offer to sell or a solicitation to buy any security or any insurance product in any jurisdiction. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Not all products are available in all states. Exclusions, limitations and reductions may apply. This Web site briefly highlights Farm Bureau's insurance policies and their benefits. The contract is contained only in the policy. Farm Bureau products are offered by Farm Bureau agents -- for more information about any Farm Bureau product, please contact your local agent or nearest office using the Agent Locator.

Securities & services offered through EquiTrust Marketing Services, LLC+, 5400 University Ave., West Des Moines, IA 50266, 877/860-2904, Member SIPC.

Property-casualty insurance products are offered through Farm Bureau Property & Casualty Insurance Company+* and Western Agricultural Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, IA, KS, MN, NE, NM, SD and UT.

Fixed life insurance and annuity products are offered through Farm Bureau Life Insurance Company+*/West Des Moines, IA and are intended for residents of AZ, CO, IA, ID, KS, MN, MT, ND, NE, NM, OK, SD, UT, WI and WY.

Variable life insurance and annuity products are underwritten by an insurance company that is not affiliated with our companies.

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