Your Homeowners Policy Doesn't Cover Your Side Hustle
Etsy shops, consulting, home bakeries — if you run a business from home, you need separate coverage.
Pick a time — quick, no-pressure conversation.
Why Home Business Owners Choose David
Most people don't realize their homeowners policy excludes business activity. I help close that gap with affordable coverage.
I Simplify the Confusing Part
Home business insurance is tricky. I'll explain exactly what you need in plain English.
Affordable Options
I shop 50+ carriers to find coverage that fits a home business budget — not a corporate one.
Close the Coverage Gap
Your homeowners policy likely excludes business activity. I make sure you're actually protected.
Personal Service
You'll work with me directly — not a website or chatbot.
Coverage for Home-Based Businesses
Whether you sell online, consult, or create — protect your business without the big-business price tag.
General Liability
Covers claims if a client visits your home office and gets injured, or if your product causes harm.
Business Property
Protects your business equipment, inventory, and supplies — things your homeowners policy won't cover.
Professional Liability
For consultants and service providers — covers claims of errors, negligence, or bad advice.
Commercial Auto
If you deliver products or drive to client sites, your personal auto policy may not cover you.
About David
Hi, my name is David VanDyke, and I've lived in West Michigan my entire life. This community means the world to me, and I'm passionate about helping the people around me protect the things they love most.
Before transitioning to insurance, I spent 10 years in real estate, where I gained a deep understanding of the importance of safeguarding homes and investments. Today, I use that experience to provide tailored home and auto insurance solutions that offer peace of mind and security.
"Let's work together to protect what matters most to you."
When I'm not helping clients, I enjoy watching sports (Go Blue!), collecting fountain pens, and reading books beside a cozy fire. Most of all, I love spending time with my wife, Caroline, and our four wonderful children—Weston, August, Callum, and Charlotte. Whether it's enjoying the beauty of West Michigan or cheering on my favorite team, I'm grateful to call this place home.
Shield is an independent agency with a long track record of serving Michigan families. I'm proud to be part of those strong client relationships, and I can compare options across a broad marketplace of carriers to match coverage and budgets with confidence.
What Clients Say
Marvin Prins
" "Great price. Friendly and saved us a lot of money."
- Full coverage auto insurance
- Homeowners insurance
- RV insurance
Reply from David:
Thank you so much for this incredible 5-star review! We are delighted to hear you found the price reasonable and the service friendly. Thank you for being a valued client!
LKM Sr
" "Reasonable price. Shield Insurance was great to work with. I will recommend them to my friends and family."
- Full coverage auto insurance
- Homeowners insurance
- Boat & watercraft insurance
Reply from David:
Thank you so much for this incredible 5-star review! We are delighted to hear you found the price reasonable and that we were great to work with for your Auto, Homeowners, and Boat coverage. Knowing you'd recommend us to friends and family is the highest compliment we could receive. Thank you for being a valued client!
Ravichandran Balaraju
" "Reasonable price. Good service from David VanDyke."
- Homeowners insurance
- Auto insurance
Reply from David:
Ravichandran, thank you for the feedback. We're happy to hear you found the price reasonable and received good service for your Homeowners and Vehicle policies. We appreciate your high praise and are focused on providing a 5-star experience every time!
Trusted Insurance Partners
As an independent agency, we partner with top-rated carriers to find you the best coverage and value.
Plus 50+ additional carriers to compare for your best rate.
Frequently Asked Questions
Does my homeowners insurance cover my home business?
Almost certainly not. Most homeowners policies specifically exclude business activities, equipment, and liability.
I just sell on Etsy — do I really need insurance?
If a customer claims your product injured them, your homeowners policy won't help. Even small sellers face real liability.
How much does home business insurance cost?
Many home business policies start under $500/year. I'll compare options to find the most affordable coverage for your situation.
Can I bundle this with my homeowners policy?
Sometimes, yes. Some carriers offer endorsements that add business coverage to your existing homeowners policy, which can save money.
Protect Your Home Business
15-minute call — I'll show you exactly where your coverage gaps are.
Prefer to reach out directly?
I typically respond within one business day.