Business Insurance for Professional Organizers

Compare multiple quotes from top carriers with one application.

Professional Organizers

Or call us at (800) 688-1984

We partner with trusted A-rated insurance companies

Save money by comparing insurance quotes for professional organizers

If a client claims your advice was detrimental, the outcome could be financially devastating. Professional organizer business insurance covers lawsuits, damaged client property, and more.

Professional organizer sorting items on a shelf.

One application, multiple quotes

Insureon helps professional organizers compare insurance quotes from top U.S. providers online. Get several quotes with one application.

What types of business insurance do professional organizers need?

These policies cover common risks faced by professional organizers.

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for professional organizers to buy general liability coverage and commercial property insurance together.

BEST FOR

Customer injuries
Damaged business property
Business interruption incidents

General liability insurance

This policy covers basic third-party business risks, such as an organizer accidentally throwing out a valuable item. Bundle with property insurance for savings in a BOP.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits

Professional liability insurance

This policy is also known as errors and omissions insurance (E&O). It helps cover legal expenses when a home organization professional is sued for unsatisfactory work.

BEST FOR

Failure to produce promised results
Project scope disputes
Work mistakes or oversights

Workers’ compensation insurance

Most states require workers' comp for professional organizing businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR

Employee medical expenses
Missed wages
Employee injury lawsuits

Commercial auto insurance

Commercial auto insurance covers financial losses when a professional organizer's vehicle is involved in an accident. It's required for vehicles registered to a business.

BEST FOR

Property damage caused by your vehicle
Bodily injuries from an auto accident
Vehicle theft and vandalism

Cyber liability insurance

Cyber liability insurance helps professional organizers recover from data breaches and cyberattacks. It's strongly recommended for any business that handles credit card numbers or other sensitive information.

BEST FOR

Customer notification costs
Data breach investigations
Fraud monitoring services

Looking for different coverage? See more policies.

Why do professional organizers need insurance?

Helping your clients get organized can be rewarding, but it’s not without risk. From accusations of substandard work to accidental property damage, a lot can go wrong when you work inside someone's home. Professional organizer insurance can help pay for lawsuits, dropped items, and other incidents that might otherwise devastate your business.

How much does business insurance cost for professional organizers?

Business professional in a tie calculating the cost of insurance.

Several factors will have an impact on insurance costs, including:

Organizational services offered
Business equipment and property
Revenue
Location
Number of employees

View Costs

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant