No, working from home isn’t considered a home-based business. There are two pieces of potential liability that can come in to play that a home insurance company would be concerned about: One is if you’re an independent contractor that doesn’t have any coverage for your liability as a professional: if somebody sues you, it’ll come into your personal name, and then your house policy will have to respond, and they’re going to have trouble with that. The second piece is clients visiting your house: if you’re cutting hair or doing massotherapy, for example, a client could slip and fall, and then there would be physical damage or bodily injury on top of the professional liability.