Home Staging Insurance

female business owners protected by home staging insurance

Put the Finishing Touch on Your Business Plans With Home Staging Insurance

Whether it’s accidental damage to high-value furniture or a last-minute cancellation, home staging insurance helps protect your business from losses, so you can keep making homes look picture-perfect.
 
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female business owners protected by home staging insurance

What Is Home Staging Insurance?

Home staging insurance is made up of different types of business insurance coverages designed to help protect you from various claims that could come up every day. As a home staging professional, you know that real estate challenges can happen when you least expect them, whether it’s a dispute over your design services or a valuable item gone missing. Home staging insurance can give you peace of mind, knowing you’re better prepared for things like:
 
  • Customer injuries
  • Personal injuries
  • Property damage
  • Stolen equipment

Why Might You Need Home Staging Insurance?

When you’re constantly moving furniture and accessing new properties, accidents can happen. Whether a piece of art gets damaged during transport or someone trips on a rug you placed, claims can get expensive. Home staging insurance can help protect the business you’ve worked hard to build.
 
The right type of insurance can help shield you from the unique risks that come with:
 
  • Transporting and handling expensive furniture and decor
  • Buyers touring the homes you stage
  • Accessing client properties and managing employees
male small business owner protected by insurance for home staging business

Who May Need Home Staging Insurance?

The Hartford designed its business insurance coverage options with home staging professionals in mind. Our coverage can help protect:
 
  • Home staging businesses
  • Staging consultants and interior designers
  • Property managers and real estate agents who provide staging services
  • Event planners involved in staging homes for open houses and special events

What Type of Insurance Do I Need for a Home Staging Business?

Many home staging designers have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. It includes three types of coverage to help protect your business from claims.

A BOP includes: 
 
General liability insurance to help protect your home staging business from claims that it caused bodily injury or property damage to others. This can include your designer accidentally damaging a client's luxury flooring during the staging process.
 
Commercial property insurance to help protect your owned or rented storage and studio space, as well as the tools, equipment, inventory and supplies you use to operate your home staging business. These can include:
 
  • Furniture, rugs and décor
  • Artwork and mirrors
  • Ladders and dollies
  • Moving equipment and carts
  • Storage bins and shelving
Business income insurance to help replace lost income if you can’t operate your business temporarily because of property damage caused by fire, theft or wind.
 
At The Hartford, we know that no two home staging businesses have the same needs or face the same risks. That’s why we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection, including:
 
Don’t Let a Mishap Ruin Your Perfect Presentation
Get better coverage for the unique risks of your profession, from property damage to client injuries and everything in between.
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How Much Does Home Staging Insurance Cost? 

The costs of insurance for home stagers vary, because every business is unique. Some of the average costs The Hartford’s small business customers in this industry pay for common coverages are:**
 
  • BOP: $1,337 a year, or about $111 a month
  • Stand-alone general liability insurance: $678 a year, or $57 a month
  • Workers’ compensation insurance: $1,983 a year, or $165 a month
It’s important to remember that the cost of your home staging insurance may be different than the average. That’s because every business owner has specific needs, and insurers may use several factors to determine rates. The best way to find out how much you’ll pay for insurance is to get a quote.
female small business owner happy to easily get insurance for home stagers

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Covering Your Operations

Your ability to transform spaces quickly and efficiently is what fuels your success. What would happen if a key piece of furniture gets ruined or a client’s property is accidentally damaged while you’re staging? Insurance can help protect you from these disruptions, so you can position your business for success. 
Slips and falls were the third most common type of claim small business owners faced in 2025.1
general liability for home staging businesses

General Liability Insurance

“A real estate agent slipped on the plastic sheeting we put down during staging and sprained her ankle. She filed a claim for her medical costs.”
 
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
business income insurance for home staging businesses

Business Income Insurance

“A fire broke out in our warehouse. We lost valuable inventory and couldn’t take on new projects for weeks.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your business is unable to operate temporarily due to covered property loss.

Taking Care of Your Team

Your employees are essential to the success of your home staging business. Whether they’re arranging furniture, coordinating with clients or transporting items, they help you create beautiful spaces. The right type of insurance can help protect them from the risks they face on the job.
There were over 2.3 million work-related injury cases opened in 2023. Over 946,000 cases involved days away from work.2
workers compensation for home staging businesses

Workers’ Compensation Insurance

“My project manager threw out her back while lifting a heavy sofa. She was in a lot of pain and needed a few weeks off to recover. She needed months of physical therapy to be able to move comfortably again.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and help replace lost wages. With The Hartford, your employees have access to more than 1 million providers and over 65,000 pharmacies.
Professional Liability Insurance for home staging businesses

Professional Liability Insurance

“I staged my client’s home for an open house. When he didn’t get any offers, he blamed it on how I set up the house and sued me for breach of contract.”
 
Professional liability insurance can help cover claims that your business made a mistake in the services provided to a customer. This coverage can help pay for your legal costs, such as attorney fees, judgments or settlements.

Protecting Your Property

Your home staging business relies on high-end decor and trendy furniture. If they’re damaged by an accident, theft or a natural disaster, the right coverage can help pay to repair or replace your valuable assets.
It’s estimated that 90% of commercial buildings are underinsured.3
commercial property insurance for home staging businesses

Commercial Property Insurance

“A tree crashed through the roof of our studio during a storm, and the repairs were extensive.”
 
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
commercial auto insurance for home staging businesses

Commercial Auto Insurance

“My coordinator was backing up our truck in a client’s driveway when he accidentally drove into their garage door.”
 
Commercial auto insurance can help cover property damage and bodily injury claims if you or an employee gets into an accident while driving a business-owned vehicle for work.

Home Staging Insurance Made for Experts Like You

With more than 200 years of insurance experience, The Hartford understands the risks interior designers and stagers face. Our insurance for home staging businesses can help you get the coverage your business needs to thrive.
 
Find out more about other professional services professions we insure:
 

Frequently Asked Questions About Home Staging Insurance

Home staging insurance is made up of different types of coverage designed to help protect your business from a variety of risks. For example, if your client slips over your materials and supplies while you’re staging their home, general liability insurance can help pay their medical bills. Different insurance coverages can help protect your staging firm from specific types of claims. It’s important to get the right coverage to give your business more comprehensive protection.
Home staging insurance is essential because it helps protect your business from the financial impacts of property damage and liability claims. Without insurance, you’d have to pay for expensive claims out of pocket. Additionally, some states may require you to carry specific types of business insurance to stay compliant.
The best way to get home staging insurance is to get a quote from The Hartford. We make it easy for you to get a fast and free insurance quote online.
female business owner happily works after getting home staging insurance quote

Home Staging Insurance That Helps Cover Every Angle

Get the coverage you need to protect your home staging business, so you can focus on designing beautiful spaces.
 
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Related Articles

 
 
Last Updated: February 24, 2026
 
1 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed January 2026.
 
2 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023,” viewed March 2025.
 
3 Insurance Information Institute, "Commercial Property Insurance Shows Signs of Improvement, Stable Growth,” viewed March 2025.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
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The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
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