Life Happens on the Job.
Stay Protected When It Does.
Pen-Ex: A Villanova Insurance Partners Company has been insuring real estate stagers, designers, organizers, architects, & engineers nationally since 1983. As an independent insurance agent, we customize your coverage to personally protect you and your business and grant you peace of mind.
Focus on what you love without worrying about what you don’t. Talk to one of our insurance agents today.
Read what satisfied customers have said about PenEx a VillaNOVA Insurance Partners Company.
Select Your Insurance Coverage:
Customized liability insurance that includes general liability, professional liability, auto, and other coverages.
Insurance that includes property, general liability, professional liability, auto, workers compensation, and other coverages. All policies have A/E endorsements.
Insurance that’s customized to protect your patients, employees, property, and more. Coverages include professional liability, general liability, and others.
Coverage for your staging business that includes general liability, professional liability, auto, workers compensation, and more.
Insurance that bundles coverages together for the most affordable and protective policy. Coverages include general liability, professional liability, auto, and others.
Insurance that keeps your business and personal assets safe. Coverage includes general liability, professional liability, auto, and others.
Why Do You Need Professional Liability Insurance As a Home Stager?
Every business owner that is looking to protect themselves, in the long run, will need to have coverage for any accidental mistakes, especially if a mistake financially harms a client or leads to an expensive lawsuit. Professional liability insurance can help you protect yourself and your business from any lawsuits in the event of any error in your professional service offerings.
Professional liability insurance helps you cover claims made against your business while providing services. Professional liability insurance for Home Stagers, Architects/Engineers, Interior Designers, and Organizers includes several options to cover all of your business and personal assets.
Why Should You Get A Professional Liability Insurance Policy?
Some of the major reasons for you to get professional liability insurance are:
- If you have a contract with your client that requires you to carry coverage
- If you are offering direct professional services to the client
- If you are providing regular advice to your client
What Should I Do If I Face A Loss?
Here are some common scenarios where you might face a loss as a professional home stager, designer, or organizer and what you can do to prevent them:
In case you are facing a loss related to property damages, here is what you can do:
- Report the loss to your insurance agent with the date of the loss and proper description of the loss as soon as possible
- Take photos and video of the damage as proof
- Keep a detailed record of all emergency expenses and temporary repairs. Additionally, separate the damaged items as your insurance company will want to inspect the damages.
- Make a detailed list of all the damaged property which should include their purchase details and original receipts if possible
- Get the estimates for the repairs and replacement of the damaged items.
*Note – In case of theft or vandalism, contact your police department immediately.
In the case of general liability claims, contact your insurance agent with the date, time, and detailed description of the incident. Also, ensure that you have the names and addresses of the injured party or the owners of the damaged property. You can also add the names and addresses of any witnesses for additional help.
How to Prevent Losses?
First, make sure to mitigate potential risks. Have a lawyer review your contracts and require clients to sign and agree to these contracts before starting services. It is best to work with a risk management team that has experience in the home staging, interior design, and professional organizing fields. Second, get the proper insurance coverage for your business. Fill out our online form and get a competitive quote today!