People are emotionally invested in their belongings, which is why professional organizers face significant risks. Important papers gone missing or accidental damage to an heirloom could lead to a costly lawsuit. Business insurance can help pay for legal costs, repair or replacement of valuables, and other expenses that could devastate a small business.
These insurance policies cover common risks for 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. It's often required for a commercial lease.
This policy provides liability protection when a home organization professional is sued for a mistake or unsatisfactory work. It's sometimes referred to as errors and omissions insurance (E&O).
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. Most states require this coverage for business-owned vehicles.
Cyber liability insurance helps professional organizers recover from data breaches and cyberattacks. It's strongly recommended for any business that handles personal information.
It's easy to get professional organizer business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your professional organizing business, whether you work independently or hire employees.