Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Can an Interior Designer be Sued?

Yes, an interior designer can be sued for a variety of reasons. This profession faces many challenges from keeping clients satisfied to managing potential risks. Injury, damage to property or accidental negligence can become expensive in terms of time and money to remedy an incident or accident. This exciting profession can fall victim to liabilities just like any other line of work and should always…
The Top Claims Against Interior Designers

Is Virtual Furniture the Future of Home Staging?

As the housing market has steadily increased over the past several years, so has buyers’ use of online tools when shopping for their home. Digital photographs account for nearly 90% of home buyers’ first interaction and research of a home, according to Zillow. This leads to the big question, what is virtual staging’s future? Since over half of home buyers purchase a home they found…
virtual staging

Why You Need Engineer & Architect Professional Liability if you are an Architect

Liability insurance is essential for any professional Architecture or Engineering firm. Potential clients and partnering firms will steer away from companies who are not properly insured, since they pose a high risk in the event of any damage, injury, error, or omission during a project. Also, if you have an office space for your business, insurance will help to cover any sort of accident on…
gineer & Architect Professional Liability

Do Interior Designers Need Insurance?

Many things can go wrong for interior designers, from going over budget to personal injury, property damage, and more. As such, interior designer insurance has several components which cover each of these risks. At a minimum, an interior designer should have interior designer insurance, including a Business Owner’s Policy (BOP) covering both General Liability and Property. Professional Liability, also called Professional Indemnity, is also strongly…
Interior Designers Need Insurance

How to Build a Successful Home Staging Business

Welcome to the wonderful world of home staging! It’s a great career path, and being your own boss is always a plus. With that said, building a successful home staging business from scratch may seem daunting. Never fear because PenEx has some advice for all the home stagers out there who are just getting their start. How Do Home Stagers Get Clients? Home stagers get…
building a successful home staging business

What a Professional Organizer Should Expect in Their First Year

Do you find organizing a home a rewarding and satisfying experience? Then you should consider becoming a professional organizer either as a full-time or part-time career. Earning a living doing something that you find enjoyable is truly wonderful. If you’re ready to take the plunge into becoming a professional organizer, then it’s time to learn what a professional organizer business entails and how to get…
What-a-Professional-Organizer-Should-Expect-in-Their-First-Year

Workers Compensation – Beware the pitfalls!

For Exempted Owners, Independent Contractors and Casual Labor for Real Estate Staging, Interior Design and Home Organizer Companies. Worker’s Compensation can be a confusing topic with substantial additional expense to a company’s bottom line; it is further complicated by the IRS, Courts, and even state statutes. Many staging and design companies are moving furniture on a daily basis, or opt to use 3rd party movers, either…
workers compensation

Insurance For Interior Designers

Interior Designer’s face many challenges during the course of their business career.  Aside from the everyday challenges that any business will meet (i.e. prospecting clients, meeting budgets, finding good help, etc.), Interior Designers will need to manage their risk.  Risk is the potential for a financial loss to your business via an injury, damage to property or lawsuit due to your professional error or negligence. There are…
interior design insurance

Keep Small Business Health Costs Down: 5 Tips to Stay Healthy in the Workplace

As a small business owner, you are probably well aware of the costs involved in providing health care coverage to your employees and their family members. Even if you do not offer full coverage, there are still a number of expenses that can weigh heavily on you and the profitability of your business. If you are not able to keep health costs down, you could…
Boy and Girl

Restaurant and Bar Insurance to Serve You

Whether you own a restaurant, bar, tavern, pub, sports bar, catering company or banquet facility, ensuring you have the correct insurance in place is an important matter. As an owner of these facilities in King of Prussia, you’re open to great risks without the right types of coverage. Issues could arise involving being accused of over-serving an intoxicated customer as well as employees claiming an…
Work on restaurant
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