Preparing a house, condo or apartment for sale or rent takes style, care and protection just in case.
Home stagers insurance is a type of coverage that will protect various components of your business against a spectrum of potential perils that can affect you.
Even if you’re a one-person operation, to succeed, your business requires the right coverage.
Home stagers insurance does start with a traditional style of business liability coverage. That said, it also requires a number of other types of protection as there is more to your business than the results it provides.
Basic business coverage provides your company with protection in case someone claims that you’re negligent, if anything you do leads to bodily injury, or if you cause property damage as a result of your business operation.
Proof of home stagers insurance will frequently be required as a condition of hiring.
Companies like yours are hired by individuals but also as subcontractors by general contractors. Though individuals will occasionally require proof of coverage before they will hire you, general contractors will nearly always require that proof.
Some municipalities also have their own requirements regarding the type of coverage your type of staging business needs for legal operations. It’s vital to the legal and successful operation of your company to be able to provide proof of coverage.
It ensures that more hiring opportunities are available, that you won’t run into legal issues, and that if the unexpected does happen, you will be protected against financial disaster. After all, in a time of heavy litigation, all it could take is one disgruntled client to file a lawsuit against you and ring up a string of exceptionally expensive legal charges.
Other types of coverage you may want to include beyond a business liability policy may include commercial vehicle insurance, if you use your vehicle to drive to the various staging locations or to transport your equipment. You may also want to look into other various types of additional protection such as business equipment coverage, among others.
If you aren’t sure precisely what home stagers insurance your business requires, be sure to consult with an agent who is experienced in selecting coverage for your type of company.