INSURANCE FOR PROFESSIONAL ORGANIZERS

Are you an individual who operates a business from your home? Do you know that your homeowners policy may not provide you with the coverage that you need for your business? We are ready to help.

WE BUILD OUR COVERAGE TO MEET YOUR NEEDS

Many people who are professional organizers start out as individuals who love to keep everything detailed and in its proper place. This hobby can quickly grow into a business that provides a source of income for what you do best. Helping you protect your business is what we do best.

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WE TARGET THE BUSINESSES THAT WE KNOW BEST

General liability, professional liability, property and data security. See if you are a fit for our low prices.
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GENERAL LIABILITY

Protection for someone slipping and falling while visiting your home or away from your home. For example, a customer falls on your steps while delivering files to your home.

BUSINESS PERSONAL PROPERTY

Protection for your inventory in your home and on the road. The items of others that are in your care, custody and control that could be stolen or damaged.

PROFESSIONAL LIABILITY

Protection for errors that you make in the course of doing business that cause financial loss to others. For example, you incorrectly discard of a customer’s personal items when organizing their closet.
Professional Liability may not be available depending on state of residence and class of business.

BUSINESS INCOME AND EXTRA EXPENSE

Protection for the lost income due to your home being uninhabitable. For example, your home has a fire making you unable to work at your home and you need to rent temporary space on a part-time basis to complete your products. The extra expense incurred to rent the space on a part-time basis due to the fire would be covered.

Coverage is based on the terms, conditions, limitations and exclusions of your policy.  Be sure to read your policy to verify your coverage.

BEST PRACTICES RESOURCES

Our best practices are a practical guide to help you avoid unnecessary claims

Be careful while handling your client’s property - Do not throw anything out without asking the client for express permission. Properly record and/or take photos of all items belonging to others at the start of the project to accurately account for all property of others in your care.

Set expectations - Discuss all terms with your customer up front and put the terms in writing so that both you and your customer have an understanding of the work to be completed.

Avoid trip and falls - Maintain an area that allows people to pass through without trip and fall hazards such as boxes or loose papers.

CoverSmart is the best way to buy business insurance.

In a few minutes, you can get a quote and buy the coverage you need. We are a Berkshire Hathaway company
with an A++ A.M. Best financial stability ranking. That means you are getting the right protection at a low price
from a highly rated extremely stable insurance carrier.
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