Think about it: Just suppose you are helping someone organize their home or office...
You pick up a plastic bin with hats and scarves in it. You turn around and BAM! You accidentally knock over a prized vase valued at $5,000.
QUESTION: Will your current professional organizer's insurance policy be enough to replace it?
Accidents happen. You have worked hard at building up your organizing business and reputation, and you're rightly concerned about protecting yourself from liability. After all, your clients rely on your advice and help, which is why professional organizers can be sued for damages while working in their client's home or office.
What would you do if you were hit with a liability suit for more than your current organizer's insurance covered?
Thankfully, here at InsuranceHub we have experience protecting:
- Your home office
- You while working at your client's home
- You while working at your client's business
Types of exposure that professional organizers need protection from:
Property exposures: Do you have a home office? Computers, fax machines, and copy machines can produce heat and cause fires. We don't have to tell you but make sure you clean and dust regularly. Make sure you only hire licensed electrical contractors to add wiring for outlets and phones so that all work is done up to code. Electrical fires, even small ones, can cause a lot of damage to not only your office but your entire house.
Do you rent an office location? The same principles described above apply to you here as well.
Install security systems to protect your office location from break-ins.
Crime exposure: Do you ever hire employees, day workers, or subcontractors? Do background checks on everyone that collects money from clients. Make sure you look into bonding them to prevent theft from a client's house.
Inland marine exposures including:
- Any accounts receivable
- Valuable papers and records
- Anything that you take with you to help a client organize their space
Premises liability exposures: This is probably the biggest liability you have since you work on the client's premises. Be careful when moving and organizing your client's belongings. Try to get them to move the objects for you.
Professional liability exposure: What if you suggest they throw something away, only to find out later that it was a priceless heirloom? Guess who will be blamed? Let the client make the decision to throw things out. Take time to take pictures and catalog everything that you touch so you have documented the process. Require the client to initial whether they decided to keep it, sell it, throw it out, or give it away. Keep records for 7 years.
Automobile exposure: The biggest exposure will come from driving to and from your clients' locations. Will you have employees? Check their motor vehicle records before allowing them to drive a company vehicle.
Workers' compensation exposures:
- Watch your back! Take the time to learn safe lifting methods.
- Never bend and twist.
- Be careful to not trip over boxes and items while reorganizing.
What is the minimum professional organizer's liability insurance I should get?
Talk to your InsuranceHub agent to design a custom policy for you. As a minimum, we would suggest:
- Comprehensive General Liability
- Care, Custody, and Control
- Professional Errors and Omissions
- Property Coverage
- Loss of income
- Employee Dishonesty Bond
- Automobile liability
- Valuable Papers and Records
- Workers Compensation
Other organizing services insurance coverage to consider:
- Business Income and Extra Expense
- Computer Fraud
- Employment-Related Practices
- Business Auto Liability and Physical Damage
- Non-Owned and Hired Auto Liability Protection