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Home Office Protection

Insurance to cover your home office, at no additional cost to Gold Members!

Unfortunately, a traditional homeowner’s insurance policy often provides very limited protection for those items which usually make up a home office. As a result, the Home Office Protection Plan was developed. This coverage can provide extra protection over any losses which occur at your residence premises home office. Homeowner’s policies often don’t provide coverage for business related liability claims which 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 NASE Members.

NASE Members are provided valuable protection for their business assets. Coverage includes:

Home Office Equipment:

$7,500 per occurrence ($1,000 maximum per item with some special limits)
$1,000 for electrical equipment per policy period
$250 for tools per policy period
$250 deductible per occurrence

Temporary Relocation:

Up to $500 for temporary relocation of your Home Business
Maximum of $250 per month

Liability:

$20,000 Business Liability Coverage (at residence)

Coverage includes, but is not limited to:

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 and applies only to Premier Resource Members of the association in good standing. Coverage is excess and is subject to limitations and exclusions. The loss must occur at your residence premises. This protection does not provide products liability protection, Errors and Omissions protection or coverage for acts occurring away from the home business location (residence premises). Liability protection does not cover Workers' Compensation or Long Shoremans/Harborworkers Act. All burglary and theft claims will require you to file and submit a police report.

The policy is written through American Southern Insurance Company--Master Policy #SE121948

The benefits explained herein are offered at the sole discretion of the association and may vary by availability, vendor and state of residence of the member. Vendors reserve the right to withdraw or change their offers without notice. The association makes no affirmation of fact or promise relating to the goods and services, and specifically disclaims any warranty, expressed or implied, as to the merchantability of the goods and services reflected. To be entitled to the association benefits, you must be a member in good standing and dues must be paid current.