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 them and you turn around and BAM! You accidentally knock over a prized vase valued at $5,000.
QUESTION: Will your current professional organizers insurance policy be enough to replace this?
Accidents happen. You have worked hard at building up your organizing business and reputation and are rightly concerned about protecting yourself from liability. After all, your clients rely on your advice and help, which is why pro organizers can be sued for damages while working in their clients home or office.
What would you do if you were hit with a liability suit for more than your current organizers insurance covered?
Thankfully, here at InsuranceHub we have experience protecting:
- Your home office
- You while working at your clients homes
- You while working at your clients business
Types of exposure that Religious Institutions need to protection from:
Property exposures: Do you have a home office? Computers, fax machines, copy machines etc can build up heat and cause fires. We don't have to tell you of all professional, but make sure you clean and dust regularly. Make sure you only hire licensed electrical contractors to add wiring for outlets, phones, data etc so that all work is done up to code. Electrical fires, even small ones, can cause a lot of damage not only to 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 sub contractors? Do back ground checks on everyone that collects money from clients. Make sure you look into bonding them to prevent theft from a clients house.
Inland marine exposures including:
- Any accounts receivable
- Valuable papers and records
- Anything that you take with you while helping a client organize their space
Premises liability exposures: This is probably the biggest liability you have since you work on the clients premises. Be careful when moving and organizing your clients belongings. Do whatever you can 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 in 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 organizers 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