If your home business is a franchise - whether you sell cleaning products, environmental products, cosmetics, or anything else - you can get some of your insurance through the franchiser.
Franchisers offer franchisees (that's you!) two major advantages with their insurance programs:

• A great price for what they offer
• Access to specialty coverages that would be hard for you to find elsewhere

But they also have two major disadvantages:

• The coverage is often not comprehensive for the franchisee.
  Usually a number of holes exist in the coverage.
  I've found large coverage gaps in every one of these policies that I've reviewed.
  
• You don't get any professional advice to help you set up the right coverage for your particular needs.
  Having expert advice is extremely important when buying any insurance, especially business insurance.
  

Finally, most franchisees buying the coverage believe that if the franchiser is offering them the coverage, it must be wonderful - and I've never found that to be completely true.
For the coverages that you're offered, the price is great.
But if you work with a good insurance adviser locally who acts as your risk manager, you can get the expert help you need to overcome both the disadvantages I outline and supplement the franchise insurance program with the other insurance coverages you'll need.
You can end up with both a comprehensive plan and a very good price, if you have good professional help.
If you're considering getting involved in a franchise, I recommend that you first gather all the contracts you will be required to sign, as well as a detailed summary of the different insurances available from the franchiser, and take them to the insurance professional you've chosen to be your risk manager.
She'll help you identify the hidden risks of the contracts and the insurance gaps in the program the franchiser is offering and help you design strategies to avoid both.