{"id":14777,"date":"2024-08-14T13:35:39","date_gmt":"2024-08-14T13:35:39","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?p=14777&#038;preview=true&#038;preview_id=14777"},"modified":"2025-12-09T14:12:02","modified_gmt":"2025-12-09T19:12:02","slug":"do-home-based-businesses-need-extra-insurance","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/do-home-based-businesses-need-extra-insurance","title":{"rendered":"Do Home-Based Businesses Need Extra Insurance?"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Do Home-Based Businesses Need Extra Insurance?<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2024-08-14T13:35:39-04:00\">August 14, 2024<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">8 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"RBC Insurance\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">RBC Insurance<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/Home-Based-Bus-Insurance-1_3x2.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A woman sitting at a table is researching on her laptop for small-business Insurance options\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/Home-Based-Bus-Insurance-1_3x2.jpg 2120w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/Home-Based-Bus-Insurance-1_3x2.jpg?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/Home-Based-Bus-Insurance-1_3x2.jpg?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/Home-Based-Bus-Insurance-1_3x2.jpg?resize=1024,683 1024w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/Home-Based-Bus-Insurance-1_3x2.jpg?resize=1536,1024 1536w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/Home-Based-Bus-Insurance-1_3x2.jpg?resize=2048,1366 2048w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/08\/Home-Based-Bus-Insurance-1_3x2.jpg?resize=412,275 412w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Do Home-Based Businesses Need Extra Insurance? &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/do-home-based-businesses-need-extra-insurance\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/do-home-based-businesses-need-extra-insurance\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What is a home-based business, and how does it differ from working from home?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-is-a-home-based-business-and-how-does-it-differ-from-working-from-home\">What is a home-based business, and how does it differ from working from home?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-does-my-home-insurance-cover-my-home-based-business\">Does my home insurance cover my home-based business?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-why-protect-your-home-based-business-with-a-home-business-extension\">Why protect your home-based business with a home business extension?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-businesses-qualify-for-home-based-business-insurance-coverage\">What businesses qualify for home-based business insurance coverage?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-faqs-insurance-for-home-businesses\">FAQs: Insurance for home businesses<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>What\u2019s the difference between working from home and running a home-based business? When you work from home, you\u2019re doing work for an employer, but without the commute to an office (in this case, your employer likely owns all of the items you use to do your job day to day, such as your laptop or company cellphone). In contrast, if you have a home-based business, you own your own company, and your primary office is located in your home (even if your business regularly requires you to be on-site at various locations, such as a client\u2019s home or office). Or, you may have a side hustle, working to make a few extra bucks on top of your day job.<\/p>\n\n\n\n<p class=\" mar-r-qtr\">The need for separate, specific home-based business insurance that protects you and your company can range from \u201ca good idea\u201d to \u201cabsolutely necessary,\u201d depending on the type of home-based business you operate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>It\u2019s important to know the difference between working from home and having a home-based business\u2014especially regarding home-based business insurance.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The maximum annual income earned to be eligible for home-based business insurance is $150,000.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You may have a main employer, but also operate an unrelated side business, which may need to be insured separately.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Insurance for home-based businesses provides coverage that extends beyond typical home insurance or renter\u2019s insurance policies.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default\">Insurance for home-based businesses protects entrepreneurs from loss or damage to their business assets and certain liabilities.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>It is important to notify your insurance company if you are operating a business from your insured home.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-home-based-business-and-how-does-it-differ-from-working-from-home\">What is a home-based business, and how does it differ from working from home?<\/h2>\n\n\n\n<p>If you\u2019re running a business or entrepreneurial venture out of your home, this qualifies as a home-based business\u2014whether your \u201coffice\u201d is a separate room or simply your dining room table. This means that businesses that range from companies selling handmade or second-hand items to small accounting or graphic design firms are all considered home-based businesses.<\/p>\n\n\n\n<p>Working from home (or working remotely) is different in that you have an employer. You\u2019re not working for yourself, but for a company that\u2019s based outside of your home and that allows you to work remotely, away from its offices. You may be working in another office or while travelling (it doesn\u2019t necessarily take place at home).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-does-my-home-insurance-cover-my-home-based-business\">Does my home insurance cover my home-based business?<\/h2>\n\n\n\n<p>Your home insurance policy will typically provide you with coverage for the home itself and for your personal property. And it will offer liability coverage for accidents that might occur on your property. Like all insurance policies, however, home insurance has limitations and exclusions which might not extend to your home-based business activities and items, such as the equipment you use or the inventory you keep on the premises.&nbsp;<\/p>\n\n\n\n<p>It\u2019s a smart idea to double-check your current home insurance policy and then evaluate it to see if you need additional insurance products, in order to avoid leaving your business uninsured or underinsured.<\/p>\n\n\n\n<p>Some options to consider are:<\/p>\n\n\n\n<p><strong>Add-on endorsements:<\/strong> If you already have homeowner\u2019s, condo, or <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/why-renters-need-tenant-insurance\/\">rental insurance<\/a>, you can choose to add a home-based business endorsement to your current policy. These endorsements may provide some coverage for small business owners for their equipment, inventory, and liability related to entrepreneurial activities. However, it\u2019s important to review the coverage and determine if these add-on endorsements are a good fit for you. Contact an insurance advisor if you have any questions about your policy.<\/p>\n\n\n\n<p><strong>Professional liability insurance:<\/strong> Does your home-based business offer professional services, consultations, or advice? If so, professional liability insurance (also called \u201cerrors and omissions insurance\u201d) can protect you from claims of errors or negligence made by your clients. If a client were to file a lawsuit against you, this type of insurance might cover (in whole or in part) your legal fees.<\/p>\n\n\n\n<p><strong>Cyber endorsement:<em> <\/em><\/strong>In today\u2019s digital age, your home-based business likely relies on technology such as computers, cloud services, smartphones, and smart home devices. While these tools offer convenience, they also store personal information online, creating potential access points for cyberattacks that can cause financial, personal, or emotional harm. Eligibility for personal cyber coverage for home-based businesses requires specific conditions to be met. Speak with an insurance advisor to learn more.<\/p>\n\n\n\n<p><strong>Home-based business extension:<\/strong> Available through RBC Insurance, this endorsement is designed to fit the needs of entrepreneurs who operate small businesses from their primary residence. Adding this product to your home, condo, or tenant policy will cover you for property damage and personal liability, and your business contents. Many types of entrepreneurs and home-based businesses are eligible for this endorsement. Coverage is subject to the terms and conditions within specified limits outlined in the policy. An insurance advisor can help you determine if this is the right addition to your policy.<\/p>\n\n\n\n<p><strong>Business Insurance:<\/strong> Home-based business owners who feel the above-mentioned endorsements and insurances still don\u2019t provide adequate coverage can consider business insurance. This is usually a customized business insurance package that may include employer\u2019s liability insurance, business tools and equipment insurance, commercial auto insurance, and more. Consider discussing your unique situation with an insurance advisor. They\u2019ll help you find the best solution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-protect-your-home-based-business-with-a-home-business-extension\">Why protect your home-based business with a home business extension?<\/h2>\n\n\n\n<p>Discovering that your basic home insurance policy doesn\u2019t cover you, your home, or your business when you really need it is a terrible feeling. Many typical home insurance policies do not cover damage due to business activities deemed \u201crisky\u201d (for example, a home business that prints T-shirts using a heat press). Planning ahead by opting for an add-on home-based business extension may protect you in instances of:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Third-party bodily injury (to clients, delivery people, or employees), also known as \u201cpersonal liability&#8221;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Property damage<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default\">Inventory loss<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default\">Theft or damage to office\/business equipment (such as computers or office furniture)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default default\">Loss of income due to a pause in operations stemming from an insurable event, such as a fire<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-businesses-qualify-for-home-based-business-insurance-coverage\">What businesses qualify for home-based business insurance coverage?<\/h2>\n\n\n\n<p>Qualifying for home-based business insurance is simple and straightforward. Your insurance advisor will ask you:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>About your business\u2019s annual gross sales<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If the home occupied by the insured is a principal residence<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If the business operates solely out of the home and at no other location<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If employees and\/or customers frequently visit the home<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>About the nature of the activities being performed in the home while running your home-based business<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>This list isn\u2019t inclusive, but it does include some of the basic requirements for home-based business insurance coverage. For example, some insurance providers won\u2019t insure home-based businesses dealing in products or services sold outside of Canada, and some providers can restrict in-home daycare or babysitting services. Alternatively, your home-based business may be too large (based on income, number of employees, or cross-border reach) to qualify for this type of insurance. Your insurance advisor can assist you in reviewing all the requirements and making the best choice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs-insurance-for-home-businesses\">FAQs: Insurance for home businesses<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-does-home-insurance-cover-my-home-based-business\">Does home insurance cover my home-based business?<\/h3>\n\n\n\n<p>Home and renter\u2019s insurance policies don\u2019t typically cover a home-based business. Entrepreneurs who work out of their home often need to obtain extra coverage, so their business, inventory, and office equipment and\/or tools are covered against loss or damage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-i-need-extra-insurance-to-run-a-business-from-my-home\">Do I need extra insurance to run a business from my home?<\/h3>\n\n\n\n<p>Yes. A home-based business policy or an add-on endorsement is usually required to make sure&nbsp; you are adequately covered in case of theft, damage, or liability claims, and it may be a requirement of the insurance company to insure your property.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-is-my-work-laptop-covered-by-home-insurance\">Is my work laptop covered by home insurance?<\/h3>\n\n\n\n<p>If you work from home and use your employer\u2019s laptop, it will typically be covered by your company\u2019s commercial policy. If, however, you run a home-based business, your computer may be insured under your standard home insurance policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-do-i-need-additional-insurance-when-i-work-from-home\">Do I need additional insurance when I work from home?<\/h3>\n\n\n\n<p>For the work-from-home (WFH) set, additional insurance (beyond your own home or renter\u2019s insurance) isn\u2019t usually required. Talk to your employer about its WFH policy and its own commercial insurance policy\u2019s coverage for remote workers to be sure you\u2019re covered working from home. Talk to your own insurance advisor if you still have questions.<\/p>\n\n\n\n<p>Call an RBC Insurance Advisor to check if you qualify for home-based business insurance and to find the best solution for you.<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-great-rates-and-expert-advice-on-home-insurance\">Great Rates and Expert Advice on Home Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Get a free online quote* for coverage to protect you, your property, and your belongings from the unexpected.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H28&amp;lang=en\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-HomeInsurance-14777-476a44f4\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"button click\" data-dig-label=\"Get My Quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H28&amp;lang=en \">Get My Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/\" target=\"_blank\" data-dig-id=\"LP-HomeInsurance-14777-cb87ea77\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Home-based business insurance coverage can protect you and your company from damage, theft, and business liability not covered by your home insurance 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