Land Home Financial Insurance Services

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Suite 250
Concord, CA 94520

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I Have a Creative Home-based Business. Do I Need Umbrella Insurance?

As a wholly-owned subsidiary of the national residential mortgage lender Land Home Financial Services, Inc., our company, Land Home Insurance Services, serves 14 midwest and western states. We provide a full range of insurance types, including umbrella policies. Umbrella insurance — also called personal liability insurance –protects the excess value of your assets, such as your home and belongings, stocks, bonds, savings, and future income, against lawsuits. 

Commercial umbrella insurance, on the other hand, protects your commercial assets, such as buildings and equipment, inventory, reputation, and brand.

Consult with us today for an assessment of your umbrella insurance needs.

Why Would I Need Umbrella Insurance for My Home-based Business?

If you do product reviews, post photos or music, make art pieces, clothing, accessories, jewelry, or other items requiring creativity, someone could accuse you of stealing their ideas or slandering or libeling their business. The resulting lawsuit could cripple you financially. In addition, awards or settlements above and beyond your personal or commercial liability limits could result in you surrendering your home or other assets to pay your fines, especially punitive damages.

Doesn’t My LLC Protect My Assets?

An LLC creates a legal entity in its own right, but in some situations, the owner can still find themselves personally liable. Situations include:

  • False Imprisonment on suspicion of shoplifting from your home office,
  • Negligent Injury while driving your vehicle for business
  • Lying to creditors about your assets
  • Making personal loan guarantees for your business
  • Contracts signed in your name instead of your DBA name

Get Umbrella Insurance Today

Call Land Home Insurance Services today for an evaluation of your creative home-based business liability risks. Let us protect you from frivolous lawsuits and excessive damage awards that can bankrupt you and leave your business in shambles.

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Partner Carriers

  • Aegis
  • American Modern
  • ASI / Progressive
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