Business Details
50+ Years
experience
Trusted Home-Based Business Insurance Solutions in Vista, CA
Bomba Insurance Agency has been dedicated to serving home-based businesses since 1973. Our Home Based Business Insurance Program is designed to provide comprehensive protection where standard homeowners policies fall short, covering liability, property damage, theft, and income loss. We operate as your advocate, ensuring fair and prompt claims resolution while prioritizing service that reduces losses and controls costs. With decades of experience and a focus on tailored solutions, we aim to support the growth of your business through customized insurance programs that address evolving risks. Services
Business Liability Protection
Business Property Coverage
Theft Coverage
Medical Payments
Loss of Income Coverage
Off-Premise Property Coverage
Product Liability Coverage
Foreign Product Restrictions
Appraisal Services for Antiques
Professional Liability Exclusion
Details
- Year established: 1973
Highlights and features
- We have over 50 years of experience in home-based business insurance.
- We offer $1,000,000 in liability protection and coverage up to $100,000 for property.
- Our policy includes loss of income coverage at no extra charge.
- We provide worldwide liability coverage beyond the home premises.
- We work on your side during claims for fair, prompt payment.
Associations and certifications
- ISO Business Owners Policy (BP0003)
- ISO Business Owners Liability (BP0006)
Services
Business Liability Protection
Covers legal liabilities up to $1,000,000 for lawsuits arising from customer injuries or property damage. Includes $5,000 per person medical payments and global coverage. Ensures financial security beyond standard homeowners policies by addressing business-specific risks.
Business Property Coverage
Protects business property up to $100,000, including theft, fire damage, and inventory loss. Coverage extends to temporary off-premises locations, with a standard $250 deductible. Designed to replace or repair assets critical to business operations.
Loss of Income Coverage
Reimburses lost income during business interruptions caused by covered events. Coverage lasts up to one year of actual income loss, ensuring financial stability while operations resume after property damage or theft.
Theft Coverage
Includes theft protection for business inventory, customer goods, and equipment. Excludes mysterious disappearance but covers tangible losses, ensuring recovery from theft-related financial impacts.
Medical Payments
Provides $5,000 per person medical payments for injuries sustained on business premises. Covers immediate treatment costs for minor incidents, reducing liability risks from customer or visitor accidents.
Questions
What does the Home Based Business Insurance Policy cover?
We cover liability up to $1,000,000, business property up to $100,000, theft, medical payments, and loss of income.
Is professional liability covered?
No, professional liability is excluded. Our policy focuses on general liability and property protection.
Can I get coverage for property stored off-site?
Yes, off-premises coverage is included for property in transit or temporary storage up to 100 feet from your home.
What is the deductible for property losses?
The standard deductible for property losses is $250.
Does the policy cover foreign products?
Foreign products are excluded due to subrogation challenges. Coverage applies to U.S.-manufactured goods only.
How are claims for antiques or art settled?
Antiques and art are valued at actual cash value, requiring professional appraisal for accurate settlement.
