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
Office Inventory Guide
Home Business Endorsements
Understanding Your Dec Page
FREE RALLYBACKS
A Detailed Guide for Understanding Your Insurance Declarations Page
Chapter Overview of Home Business-Related Endorsements for Homeowners Insurance
A Brief Office Inventory Guide for Homeowners
Below is a handful of articles that may be relevant to your situation.
Just click and go.
