What Is Professional Organizer Insurance? A professional organizer is an individual who helps to organize any type of space in your life, such as your home, kitchen, closets, office, and more. A professional organizer will help you make decisions about what to keep vs. store vs. toss and also build an organizational system with labeling and shelving that will help their clients declutter their lives, clear their minds, and stay organized. Like any business, professional organizers face claims and lawsuits from their clients. That is why it is important to protect yourself and your business with insurance specifically designed for professional organizers.
What Types Of Business Insurances Do Professional Organizers Need? Here are some policies that cover common risks faced by professional organizers: Policy for business owners - A BOP or Business Owner’s Policy is cost effective coverage that couples property insurance for business and general liability coverage together for the professional organizer. General liability insurance - This is the most common business insurance. It covers 3rd party commercial risks such as damaged or lost items during a home organizing contract. Professional liability insurance - Also referred to as errors and omission insurance professional liability insurance covers any errors or omissions that occurred on the job. Whether warranted or not, most professional organizers will face professional liability claims against their business. Workers’ compensation insurance - For professional organizing businesses that have employees, most states require workers’ compensation insurance. It also helps to protect owners from any work related accidents that may be denied by their health insurance. Commercial auto insurance-When the vehicle of a professional organizer is associated with an accident commuting to or from a work event or function, then the commercial auto insurance policy will cover the financial loss. It is essential for the vehicle to be registered to the business. Cyber liability insurance - This coverage protects the professional organizing business financially from any kind of data violation or cyberattack. This type of coverage is best applied to businesses who process credit cards or store other delicate or important information on their clients.
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