Direct Selling Association Endorsement

Health, Life &
General Liability
For Direct Sellers
Exclusively Endorsed By
Direct Selling Association

No cost, No obligation
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Home Business Insurance
         Quote Request

Easily and quickly get a FREE, affordable rate quote for your home based business.  Rates are much lower than homeowners plans or commercial policies for these plans that are customized for those who operate a home based business.  If eligible, coverage can begin today, or any date in the future.

There is no cost or obligation to get a rate quote.  If you have questions regarding coverage, or eligibility, please call 800-821-7383.

You may do business anywhere nationwide, however you must be a home based business to be eligible. If your business, or base of operations is not your home, you are not eligible for this program. 

If you are a non-home based business, please visit our Commercial insurance coverage page to request rates.

Please complete and a detailed coverage and rate quote will be emailed to you.
Your Contact Information
First Name

Last Name

(If a partnership, please provide all individual's names in
Details box below) 
If you also use a
Business Name
Entity Type
Year Started Year business started
Address No P.O. Boxes
City      Zipcode
Contact Phone (913) 555-1234
Email Address
For Texas Only
Home Construction Frame  or,   Masonry  (Select only one)
Business Description
Provide a detailed business description including products and services you sell, space is unlimited

(If you're also a rep for Mary Kay, Beachbody, etc. please let us know)
  Call if you operate any other business from your residence, that is not indicated
in the detailed business description above. It may be able to be included in this
coverage if desired but, is not automatically.
Annual Revenue
 from your business
Annual Revenue
if you make your
own products
Limits/Coverage Requested
Personal Property
On premises and while temporarily off premises

*Limits above $50,000 not available in FL, LA or NH

Business Personal Property - This coverage insures your business equipment, inventory, displays, etc. A limit of $5,000 is automatically included for BPP, but limits of up to $100,000 are available. The BPP coverage will only pay up to the limits selected and aggregate BPP of greater than $100,000 is ineligible for coverage. In certain circumstances, the insurance company may also pay for the loss of your business income resulting from damage to your BPP.

General Liability
Each Occurrence

$1,000,000 (required by most venues & events)
$300,000 $500,000

Business Liability - This is intended to be general liability coverage should there be an accidental third party bodily injury or damage to property on the premises. Limited product liability coverage is included as well in certain circumstances. This overall liability limit is extended to temporary locations such as trade shows, festivals, etc. $300,000 is the per occurrence limit that comes with the policy, but there are also options of $500,000 and $1,000,000 per occurrence.

Begin Coverage
Additional Insured Request
If required for an event or venue, please ensure you have the exact way the name on the certificate should read.
All fields must be completed, or certificate cannot be issued, additional fee applies.
Additional Insured
Name Is To Read
Addl. Insured is:
City     Zipcode
General Underwriting Information
If any question is answered "Yes" or unanswered you will be not be eligible for coverage.
1 Do you operate your business from a store front location?
2 Is your business personal property permanently kept anywhere other than this residence(s) (residence includes outbuildings within 100 ft) or additional location(s) identified in the applicant information section of this application?
3 Have you had more than two claims of any type, related to your business operation, in the last three years?
4 Have you had a single claim, related to your business, for more than $25,000 in the last three years?
5 Do you own any business under the same legal name as the "Business Name" shown, which is permanently "operated" from another location? (Note: Check 'NO' if you have a storage location, second home or a partner working from their home. These are acceptable and should be listed as an additional location on this application.)
6 Do you package or repackage food or personal care products to be sold under your own label?
7 Are you involved in the sale or manufacturing of explosives, propellants and/or use of flammable liquids?
8 Do you install any products, excluding the installation of computer systems, office equipment, key-locking devices, interior window treatments or vinyl signs and lettering?
9 During the last five years (ten in RI), has any applicant been indicted for or convicted of any degree of the crime of fraud, bribery, arson or any other arson-related crime in connection with this or any other property? (In RI, failure to disclose the existence of an arson conviction is a misdemeanor punishable by a sentence of up to one year of imprisonment.)
10 Did your gross annual sales/receipts from your business pursuits for the most recent calendar year exceed $250,000 for sale of merchandise or $500,000 for a service business?
11 Do you employ more than ten (10) employees, other than independent contractors or distributors?
12 Is your dwelling located within 1,500 feet from the seacoast on the Gulf of Mexico or the Atlantic Ocean (N/A in RI)?
13 If you are a teacher/tutor (other than a personal fitness trainer), do you provide instruction for sports, physical education, industrial arts, or martial arts? (Note: Check 'NO' if this question is not applicable to your business.)
14 Do you perform any vehicle repair services (other than oil changes, oil filter changes, glass repair, interior detailing or vinyl/leather repair)?
15 Do you perform any of the following? Body Massage (other than face, scalp or hand); Hair Straightening by other than cold process; Tanning; Microdermabrasion; Acid Peels; Hair Removal (by electrolysis, thermolysis, or any process using radio waves); Ear Candling; Tattooing or Permanent Make-up; Ear or Body Piercing; Hydrotherapy/Saunas; or Body Waxing (other than facials)?
16 Do you own or operate any other business under this entity that has not already been described on this application?
17 Are you an importer of foreign products?
18 Do you have a contractor's license? If yes, please provide the following information in the Details section below: License #, Jurisdiction, Category
19 Do you rent, lease, or pay to use another location in which this business is operated either part time or permanently?
20 Are there past, pending or planed foreclosures and/or bankruptcies or judgement for unpaid taxes against the named insured or any officer, partner, member or owner, individually within the last five years?
21 Has coverage been cancelled or non-renewed in the last 3 years (not applicable in the state of MO)?
Details, Notes & Comments
Please provide
  • Details to Yes answers listed above.
  • Please note any special requests or comments here as well.
Space is unlimited
Rates will be emailed to you shortly, Thank you for your interest.
      (Clears All Fields)