Business Insurance for Professional Organizers

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Professional Organizers
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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.

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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 icon

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.

  • Customer injuries
  • Damaged business property
  • Business interruption incidents
General liability insurance icon

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.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Professional liability insurance icon

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.

  • Failure to produce promised results
  • Project scope disputes
  • Work mistakes or oversights
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

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.

  • Property damage caused by your vehicle
  • Bodily injuries from an auto accident
  • Vehicle theft and vandalism
Cyber liability insurance icon

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.

  • 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?

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

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