For instance, a small-time photographer with $20,000 in gear might buy as much as $2 million in protection for underneath $1,000 a 12 months. Some small enterprise homeowners requiring this coverage are inclined to have expensive gear, high-profile shoppers, or more than three employees working from their residence. Most in-home enterprise insurance policies cowl you against theft, damages, lack of critical documents, safety for up to three staff, and extra.