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Professional Organizers
Business Insurance for Professional Organizers
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Professional Organizers
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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.
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
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
Workers’ comp insurance is required in almost every state for professional organizing businesses that have employees. It can cover medical bills for work-related injuries.
BEST FOR
- Employee medical expenses
- Missed wages
- Employee injury lawsuits
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
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?
Several factors will have an impact on insurance costs, including:
- Organizational services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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