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Why do professional organizers need business insurance?
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.
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What types of business insurance do professional organizers need?
These insurance policies cover common risks for 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
- Accidental damage to belongings
- Slip-and-fall injuries
- Stolen or damaged business property
General liability insurance
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.
BEST FOR
- Slip-and-fall accidents
- Lost or damaged customer property
- Defamation lawsuits
Professional liability insurance
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).
BEST FOR
- Failure to complete a project on time
- Project scope disputes
- Organizational errors
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
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
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.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps professional organizers recover from data breaches and cyberattacks. It's strongly recommended for any business that handles personal information.
BEST FOR
- Customer notification costs
- Data breach investigations
- Fraud monitoring services
Looking for different coverage? See more policies.
How much does business insurance cost for professional organizers?
A certified professional organizer who works independently will pay less for insurance than a larger business.
Factors that affect premiums include:
- Professional services offered, such as home or office organization
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits, deductibles, and other coverage options
How do I get professional organizing business insurance?
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
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.
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