And so do millions of new work-at-home entrepreneurs. Basements, garages and spare bedrooms across the country have been turned into Home-Based Businesses; part of a revolution in how American workers meet today's markets. Home-Based Businesses truly represent substantial investments requiring protection beyond that provided by the standard Homeowners Policy.

HOMEWORK

Lititz Mutual's new Homeowners Policy Endorsement is designed to extend a package of valuable coverages, with flexibility and afforadable pricing aimed specifically at the Home-Based-Business. Many Home Businessess are eligible. The package insurance cost is far less than that of coverages purchased separately.

Coverage For:

• Furnishing, supplies and equipment of a business located in your residence.
• Other structures protection, if your business is conducted from a garage, workshop or similar structure on your premises.
• Outdoor signs, for loss or damage to your business sign.
• Computers and related equipment, including business data protection.
• Additional living expense, in the event of loss, to continue your home business.
• Accounts receivable, when a loss results in the inability to collect accounts.
• Business credit cards, forgery and counterfeit money.
• Money and securities, protection both on and off premises.
• Refrigerated products, contents of a deep freeze or refrigerator units.
• Arson reward, for a covered premises fire.
• Business liability coverage for legal liability obligations, including personal injury and advertising injury.

Does Your Home Business Qualify?

• The premises must be occupied primarily for residence purposes. No other business may be conducted on the premises apart from the incidental business.
• The residence premises is the only location for the Home-Business.
• The Home-Business (storage areas included) may occupy no more than 25% of the residence premises.
• Owner-Occupant may be part of a sole proprietorship, partnership or corporation but the partnership may include only the insured and family members.
• Eligible policy forms are: Homerowners Broad and Special Forms, Renters and Condominium Forms.
• There can be no premises store front.
• Heating and electrical systems must have been updated in the last 30 years.
• A smoke or fire detector is required as minimum protection.
• The residence and Home-Business must be located within 5 miles of a responding fire company.

The above represents a general description of Coverages. Consult the Endorsement for exact terms and conditions.