Insurance for Home Stagers

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PenEx Home Staging Insurance Covers

  • General Liability
  • Real estate staging insurance
  • Professional liability insurance
  • Business Personal Property (for all locations)
  • Business Auto, Workers Compensation, and Umbrella
Staging a house with home staging insurance

What Are Your Policy Limits For Liability Insurance For Home Stagers?

  • $1,000,000/$2,000,000 in business general liability coverage (on and off-premise)
  • $25,000 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

What Is The Importance Of Insurance For Home Stagers?

There are a number of potential risks associated with staging homes or properties. The key consideration to keep in mind is that when staging someone else’s or a company’s real estate, both you and your business bear responsibility for any risks that may occur when onsite. If something breaks, is lost, or stolen, you can be held responsible for the loss of that item depending on the circumstances.

Choose home staging insurance with PenEx and work with industry experts that can customize your home staging insurance plan to protect yourself and your business from any additional liability, third-party physical injury, and property damage claims and ensure that you can cover any legal costs if you are sued.

How Insurance for Home Stagers Can Help Your Business?

Home staging insurance may be a significant asset that protects and supports your home staging business. Insurance for home stagers with PenEx gives you peace of mind, as well as financial security and assistance in the event of an unforeseen occurrence or claim. With home staging business insurance, you can concentrate on your business without fear of a potential risk. It is essential to work with a skilled insurance agent to tailor insurance coverage to your unique company’s needs and risks. For more information about PenEx and how their experts can assist your business, be sure to get a free home staging insurance quote from us.

Is Insurance For Home Stager Required?

Specific home staging insurance is not required, however, in most states, general liability insurance is required for all businesses. Choosing a general liability policy from a company that specializes in home staging insurance, like PenEx, will not only save you money, but will also protect you from common claims in your industry. Moreover, using PenEx’s signature Professional Liability Endorsement, can help close that gap with potential claims. PenEx specializes in home staging claims and risk management. We have seen it all and can help protect your home staging 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 allow yourself peace of mind and creative freedom with us covering your home staging business.

Hear About Home Staging Insurance 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 carefully selected for each property has to be protected. I chose Pen-Ex 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… very professional and always there to answer questions and take care of any payment inquiries about my policy… I have sent referrals of my CSP stagers and non-CSP stagers to Pen-Ex 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 Pen-Ex staging insurance team!”

– Yolanda Tillman

Home Staging Business Insurance FAQ

Yes, having business insurance is strongly suggested when establishing a home staging business. Having home stagers insurance can help protect your business from any unplanned risks and errors.

Yes, depending on your business requirements, you can typically customize your policy to include extra coverage choices such as cyber liability insurance, business interruption coverage, or commercial auto insurance.

Yes, insurance for home stagers frequently includes professional liability coverage, which can protect against client claims alleging financial damages as a result of errors or carelessness in staging services.

If you have a covered incident or claim, contact your home staging insurance provider as soon as possible to initiate the claims process. They will guide you through the necessary steps and documentation required when starting the claims process.