Contact: (217) 355 9075 - Address: 702 Bloomington Road. Suite 205. Champaign, IL 61822 - Email:

LuLaRoe and Insurance - What You Need to Know to Protect Your Home Based Business

Congratulations! You are one of the chosen few to be on-boarded with the hottest home based company going right now LuLaRoe. Or maybe you have been with them for a little while already. Either way you have become quite popular as every woman seems to want to get her hands on those LuLaRoe fashions.

LuLaRoe Inventory


Things are probably a little overwhelming right now as you sort through and organize your inventory, plan your display set ups and book those parties, but I want you to take a few minutes to read this and make sure you have properly protected your major investment.

Sometimes people don’t give home-based business any thought from an insurance standpoint.  It’s estimated that over half of all home based businesses are under-insured.  The Independent Insurance Agents of America (IIAA) say nearly 40% of those they surveyed are under-insured because they thought their homeowners insurance policy covered their business.

Have you done anything to make sure your investment and business is properly insured?



Action Item #1- Check Your Policy to see how much Business Personal Property coverage your current policy has included 

LuLaRoe seems to have a higher start up and inventory cost than most other Home Based Businesses I have come across with many representatives spending $5,000 to $15,000 in inventory alone. 

Many LuLaRoe reps I have spoken with believe since they keep their inventory at home that it would be covered on their Homeowners Insurance. While your home insurance might cover some Business Personal Property (BPP), usually that amount is very small and only a fraction of your LuLaRoe investment, and many policies will only cover your BPP while in your home and not at all when you are out doing a show or event. 


Action Item #2- Is BPP (Business Personal Property) covered only at home?

You will probably doing many shows at friends and customers homes and maybe even some Ladies Night Out's and Vendor Fairs. You should check you policy and make certain that your BPP will be covered once you leave your home. After all we are talking about a major investment here. 


Action Item #3- Do you have clients/customers come to your home to transact business? Will your Policy Cover That? 

Most insurance companies are okay with home based businesses, provided they don't have foot traffic at the location. That means if you have clients come to your home it could be a Huge Red Flag for your insurance company. Your home policy is only set up for Personal Liability only, any time money changes hands it becomes a business transaction and opens you up for a huge gap in coverage and potential lawsuit in the event of an injury.


 Where do I go from here?

Don’t worry! It’s not all doom & gloom! You have options! Depending on how big of a  business you own there are options and that’s why it helps to talk to your insurance agent about what will work best for your home business.

Options range from endorsements on your home insurance policy, in-home business insurance policies and depending on the business, the potential need for a Business Owners Package policy (BOP). An independent insurance agent can help you find the best coverage and best protection for the best pricing.

We also will work with you to keep up on the changes to your business throughout each year.

Again, our congratulations! Whether it’s your first business venture or your tenth, we’re happy to count you among the business owners we know. We can’t wait to hear more about your dreams and consequently help you protect them!

If You would like to speak with us about your Illinois Insurance Options for your LuLaRoe business we can be reached at 217-355-9075.



Get Started ..

About Us

Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois. Insurance shopping is easy when the Protection Team provides you with multiple quotes to choose from. You will always know you are getting the best coverage at the lowest possible price.

Contact Info

Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois.

702 Bloomington Rd#205
    Champaign, Illnois
(217) 355-9075

Get a Quote