What does Insurance For Home Stagers Cover?

  • General Liability
  • Business Personal Property (for all locations)
  • Business Auto, Workers Compensation, and Umbrella
A home stager hangs a small, black chandelier in the middle of a white room with help from another assistant.

Professional Liability Insurance and 3rd-party Crime

When putting up a residence for sale on the real estate market, many people find that staging the house beforehand drastically increases the number of potential buyers. With this comes higher potential selling points as well as an expedited sale.

However, owning a real estate staging business can come with some hazards.If anything happened to the property while it was being staged, the blame would likely end up on you and your business, which could have serious financial implications.

By protecting your business with home staging insurance, you could easily avoid any potential legal headaches that may arise.

Why Do Real Estate Stagers Need Insurance?

There are any number of potential accidents that could happen on staged homes or properties. The important thing to remember is that you are staging another person or company’s real estate, which means that you and your business are responsible for all the people and belongings on the property as well as the property itself. In other words, if something breaks, is lost, or stolen, you could be held responsible for the loss of that item depending on the circumstances of the loss.

The same principles apply when an injury occurs. If someone were to hurt themselves on the property because of the real estate staging process, you could be responsible for that injury in the eyes of the law. However, the benefit of having home staging insurance is that you can protect yourself and your business from any additional liability and to ensure that you can cover any legal costs if you are sued.

What Are Your Policy Limits For Insurance For Real Estate Stagers?

Staging a house with home staging insurance

Our home staging insurance policy limits are:

  • $4,000,000 in business general liability coverage (on and off-premise)
  • $5,000 for customers property in your care, custody, and control or higher limits
  • Staging inventory protection at home/office and while temporarily off-premises, whether in a house for sale or while in transport. Rental furniture and equipment are also included in this coverage.
  • Hired physical damage to rent trucks up to $75,000
  • Office equipment and storage location coverage
  • Low policy deductible

How Much Does Home Staging Insurance Cost?

Home staging insurance costs vary depending on your business information, employees and contractors, deductible, location, and other aspects. PenEx specializes in providing insurance for home stagers. Therefore, we are able to offer comprehensive coverage at competitive rates.

Is Home Staging Insurance Required?

Specific home staging insurance is not required, but general liability insurance is required for all businesses in most states. Choosing a general liability policy from a company that specializes in home staging insurance will not only save you money, but it also better protects you from common claims in your industry. Moreover, using Pen-Ex’s signature Professional Liability Endorsement helps close that gap with potential claims that can arise from being sued by a third party due to financial loss resulting from your professional opinion or services. PenEx specializes in home staging claims and risk management. We have seen it all and can help protect your business with lawyer-reviewed pre-staging agreements and other risk management services.

Home staging insurance can also help grow your business. Many real estate agents and home sellers will not hire your services without proof of insurance. Get a competitive home staging insurance quote from PenEx and give your business every advantage to win the contract.

Hear From Other Home Stagers!

“I was thankful to find an insurance company that specialized in policies for Home Staging and Design.”
– Skinny House LLC

“As a Residential Staging Expert in this real estate industry, you need a shield of protection when it comes to your inventory as we edify and beautify our client’s properties. Therefore, our prize possessions that have been careful selected for each property has to be protected. I chose PenEx Insurance, and as a member of Real Estate Staging Association (RESA) and a member of Certified Staging Professional (CSP) certification, I am so glad that I am protected and in good hands with Judy Fobes, and her who staff which are very professional and always there to answer questions and take care of any payment inquiries about my policy. Thanks Rachel for being there for me and you are greatly appreciated. I have sent referrals of my CSP stagers and non-CSP stagers to PenEx and they have obtained the insurance coverage. I highly, highly recommend if you do not have insurance coverage for your staging inventory to consider joining the PenEx staging insurance team!”
– Yolanda Tillman

Protect Your Real Estate Staging Business with Pen-Ex: A Villanova Insurance Partners Company

The risk of liability is significant when staging a piece of real estate. Consequently, it really is in your best interest to consider a real estate staging insurance policy. Contact our agents at Pen-Ex: A Villanova Insurance Partners Company for a free quote today to find out what potential policies would best suit your real estate staging business.

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