Handled End-to-End by Loti
Home Business Losses
PUBLIC ADJUSTING PROGRAMS
Call us toll-free
888-488-LOTI
programs
Running a business out of your home brings independence, creativity, and flexibility—but when disaster strikes, the insurance claim process can get complicated fast. At Loti, we make home business claims clear, structured, and tailored to how you actually work. Whether you operate a design studio, a consulting practice, a crafting business, or provide services from your home, we help you recover more than just physical property—we help restore your livelihood.
Most insurance policies struggle to cleanly separate personal and business-related losses. That’s why we begin with a deep dive into your operations, combining detailed interviews with a full policy review to understand exactly what was lost and what should be covered.
OUR APPROACH
Home Business Claims—Protecting Your Livelihood, Not Just Your Home
Then we take action:
Using our in-house technology platform, we compile everything into a comprehensive, claims-ready submission—organized by category and coverage type for faster processing. Our team then negotiates directly with your insurance company, explaining each element of the claim and pushing for a fair and complete resolution.
Whether your workspace was a spare room, a garage, or an entire floor of your home, Loti ensures your home-based business is treated with the same care and legitimacy as any brick-and-mortar operation. We don’t just protect your home—we protect the work you’ve built inside it.
Then we take action:
Using our in-house technology platform, we compile everything into a comprehensive, claims-ready submission—organized by category and coverage type for faster processing. Our team then negotiates directly with your insurance company, explaining each element of the claim and pushing for a fair and complete resolution.
Whether your workspace was a spare room, a garage, or an entire floor of your home, Loti ensures your home-based business is treated with the same care and legitimacy as any brick-and-mortar operation. We don’t just protect your home—we protect the work you’ve built inside it.
Conduct on-site inspections to document your workspace, equipment, and business-specific property
Categorize items properly between personal and business property to align with policy terms
Link furnishings, tools, electronics, and supplies to specific business uses for accurate coverage application
Document lost income from canceled projects, disrupted operations, or missed business opportunities
Gather and organize supporting evidence—purchase records, licenses, receipts, software and hardware logs, and communications
Loss of Income
Loss Of Rent
Home Business Coverage
Running a business from home introduces risks that standard homeowners insurance often does not fully cover. This guide explains how Home Business Coverage endorsements work and why they are essential for protecting home-based business activities, with practical examples.
For homeowners who rent part of their property, damage that makes the space uninhabitable can result in lost rental income. This guide explains how Loss of Rent endorsements work and how they can help replace income during repairs, with practical examples for small business homeowners.
When a home-based business must shut down because the home is uninhabitable, lost income can create serious financial strain. This article explains how Business Interruption coverage for Loss of Income works, how to document and claim it, and ways to manage income loss during temporary closures.
HOME BUSINESS IMPACTS
Below is a handful of articles that may help you navigate impacts to your home business and smoothing them out through insurance.
Just click and go.
LEARNING IS EASY
Home business losses require specialized coverage and careful documentation to protect both your income and your property.
