Professional Organizer Insurance

female business owner protected by professional organizer insurance

Sort Out Your Protection With Professional Organizer Insurance

Whether you're decluttering a client’s space or traveling for an in-home consultation, you face unique challenges every day. With professional organizer insurance, you can focus more on transforming spaces and less on the what ifs.
 
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female business owner protected by professional organizer insurance

What Is Professional Organizer Insurance?

Professional organizer insurance is a set of business insurance coverage options designed specifically for sole proprietors and small businesses in the organizing industry. Also known as business liability insurance, this protection helps safeguard your business against risks like:
 
  • Client injury
  • Property damage
  • Equipment theft
  • Service disputes

Why Do You Need Professional Organizer Insurance?

You help turn cluttered spaces into efficient, functional environments. But even the best-laid plans can have unexpected setbacks. From knocking over a valuable vase to a client slipping in your studio, accidents are part of the job.
 
Professional organizer insurance can help protect you from the unique risks that come with:
 
  • Traveling between projects
  • Handling valuable and sentimental client items
  • Accessing and working in client spaces
small business protected by insurance for professional organizers

Who May Need Professional Organizer Insurance?

The Hartford designed its business insurance coverage solutions with professional organizers like you in mind. Our coverage can help protect:
 
  • Residential organizers
  • Commercial organizers
  • Space planning experts
  • Decluttering specialists
  • Home staging professionals

What Type of Insurance Do I Need as a Professional Organizer?

Many professional organizers 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 organizing business from claims of bodily injury or property damage, like if you get hurt while on a client’s property.

A BOP includes: 
 
General liability insurance to help protect your organizing business from claims that it caused bodily injury or property damage to others. For example, if you damage a client’s furniture, this coverage can pay to replace it or cover the cost of a settlement.
 
Commercial property insurance to help protect your office or showroom, as well as the tools, equipment, inventory and supplies you use to operate. These can include:
 
  • Label makers
  • Storage bins
  • Shelving units
  • Furniture movers
  • Tape measures and tools
  • Cleaning supplies
Business income insurance to help replace lost income if you can’t operate your organizing business temporarily because of a covered event, like water damage in your studio or stolen inventory.
 
At The Hartford, we know that no two organizing 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:
 
Bring Clarity to Your Coverage
Help protect your business from the financial risk of damage, loss and liability claims, so you can focus on your clients.
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How Much Does Insurance for Professional Organizers Cost? 

The cost of insurance for professional organizers varies because every business is unique. Some of the average costs The Hartford’s small business customers in this industry pay for common types of coverage 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: $1,790 a year, or about $165 a month
It’s important to remember that the cost of your professional organizer 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 got coi for professional organizers

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Covering Your Operations

Whether you're meeting with a new client or searching high and low for the perfect-sized basket, don’t let costly setbacks throw you off course. Insurance helps protect you from accidents, property damage and disputes that can disrupt your workflow and your finances. 
Customer injuries are the third most common type of claim that small business owners faced in 2025.1
general liability for professional organizers

General Liability Insurance

“While organizing a client’s home, a customer tripped over an extension cord that one of my consultants was using. He fractured his ankle and had to go to the hospital.”
 
General liability in surance helps cover claims that your organizing business hurt somebody else. It can help pay their medical bills or your legal costs if you get sued.
EPLI for professional organizers

Employment Practices Liability Insurance (EPLI)

“One of my assistants sued me for discrimination after I let him go for poor performance.”
 
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment. With The Hartford, you can add coverage to help cover third-party claims from customers or vendors.

Taking Care of Your Team

Growing your staff allows you to manage projects more easily, but are you prepared to support your team like they support your business? The right type of coverage can help protect your employees, so they can focus on your clients.
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 professional organizers

Workers’ Compensation Insurance

“My assistant tripped while carrying a heavy box into a client’s home and broke her arm. She had to go to the emergency room for X-rays, then needed time off to heal.”
 
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 replace lost wages if they can’t work. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
professional liability insurance for professional organizers

Professional Liability Insurance

“A customer sued my consultant, claiming he broke the contract agreement and did a poor job organizing their home.”
 
Professional liability insurance helps protect your business from claims that it made a mistake in the services given to a customer.

Protecting Your Property

From label makers to your company car, your property is integral to your business. If anything is damaged or stolen, it could throw off your entire schedule. Insurance can help pay for repairs and replacements if things don’t go as planned.
Highway crashes that occur on the job cost employers $26,081 per crash and $78,418 per injury.3
commercial property insurance for professional organizers

Commercial Property Insurance

“A storm rolled through, damaging the windows and roof of my business. It caused leaks and ruined so many of my tools and supplies.”
 
Commercial property insurance helps protect your business' equipment, furniture and tools from loss or damage caused by events like storms, fires, vandalism or leaky plumbing.
commercial auto liability insurance for professional organizers

Commercial Auto Insurance

“Right in the middle of my busy season, our company truck was totaled in an accident. My stager was on her way to a client’s house when she rear-ended another driver.”
 
Commercial auto insurance helps cover the costs of an auto accident that occurs while you or an employee uses a company-owned vehicle for work.

Comprehensive Coverage for Professionals Like You

With more than 200 years of insurance experience, The Hartford understands the risks consulting businesses like yours face. That’s why we designed our insurance options to help you get the coverage your business needs to thrive.  
 
Find out more about other types of service provider professions we insure:
 

Frequently Asked Questions About Insurance for Professional Organizers

Professional organizer insurance is made up of different coverages designed to help protect your business from various risks. For example, if a team member gets injured while moving heavy furniture, workers’ compensation insurance can give them benefits to help them recover. Certain types of insurance can also protect your property, car and office space. With business income insurance, if a covered event disrupts your schedule, you can get help recouping lost revenue so you don’t fall behind on expenses like rent and payroll. By combining different coverages, you can get comprehensive protection for your organizing business.
Professional organizer insurance is important because it helps protect you from the financial impacts of the risks you face every day. Whether you're working with clients in their homes or organizing a corporate office, even a simple property damage claim can add up fast, especially if a lawsuit or medical bills are involved. Insurance can help cover these costs, so you can continue transforming spaces for your clients, knowing you’ll have the support you need if something goes wrong.
The best way to get professional organizer insurance from The Hartford is to get a quote. We make it easy for you to get a fast and free insurance quote online.
female business owner happily works after getting professional organizer insurance quote

Minimize Risks With Professional Organizer Insurance

Get the coverage you need to confidently grow your organizing business.
 
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Related Articles

 
 
Last Updated: February 19, 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 Traffic Safety Organization, “Cost of Motor Vehicle Crashes to Employers,” 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.
 
Additional disclosures below.
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.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
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