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.
Insureon helps professional organizers compare insurance quotes from top U.S. providers online. Get several quotes with one application.
These policies cover common risks faced by professional organizers.
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.
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.
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.
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.
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.
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.
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.
Several factors will have an impact on insurance costs, including:
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