Insurance for Professional Organizers

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Top view of woman hands neatly organizing bathroom amenities and toiletries in drawer or cupboard in bathroom. Concept of tidying up a bathroom storage by using Japanese method.

Do Professional Organizers Need Insurance?

Yes, professional organizers need insurance to protect their business from potential risks. Whether you’re working in a client’s home, managing their belongings, or providing advice, unexpected accidents can happen.

Insurance provides coverage for liability claims, damaged property, or even errors in your work. With the right policy, you can focus on growing your business while knowing you’re protected from the unexpected.

What Kind of Insurance Does a Professional Organizer Need?

When you’re helping clients organize their space and simplify their lives, the risk of accidental damage or unexpected incidents is always present. That’s where insurance comes in—to protect your business and give you peace of mind while you do what you do best.

With Thimble, your insurance is tailored to your specific needs, whether you’re a closet organizer, professional de-clutterer, or a home organization consultant.

Thimble offers general liability with special enhancements as a package deal. We call this a business owners policy, and it includes coverages like professional liability, inland marine (business equipment coverage), and more.

What does Business Insurance Cover for Professional Organizers?

Thimble's Business Insurance provides coverage tailored to your specific risks. Here’s what it can safeguard against:

Third-party Liability Coverage:

Helps protect against damages because of claims for property damage or injury to non-employee third parties.

Example: A customer trips over your organizing equipment while on your premises or on a jobsite like at the customer’s home or office. If the customer sprains their ankle and files a claim, your third-party liability coverage helps protect you against potential resulting financial loss.

Errors & Omissions Coverage:

Responds to claims arising from failure to provide advice appropriately.

Example: As the expert organizer, your client didn’t expect you to misjudge weight calculations to support shelving, and this caused your client to have to incur additional costs to correct your miscalculations. If this client decides to file a claim, your errors & omissions coverage helps protect against financial loss.

Business Equipment Protection:

Covers your professional organizing tools and related supplies.

Example: You’re hired for a job, and on the very first day, all your high-grade storage bins that were purchased to complete the job are stolen while on-site. You can file a claim (which usually requires a police report documenting the incident of theft) and your business equipment protection coverage could cover the cost of the stolen bins.

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Know you’re covered with A-rated insurance so you can focus on creating calm, clutter-free spaces for your clients!

How Much Does Business Insurance Cost for Professional Organizers?

One size doesn’t fit all. Your insurance costs vary based on your coverage needs, business location, and how long you’ll need protection. Thimble offers flexible plans, letting you choose coverage by the hour, day, month, or year. You’ll find yourself empowered with a policy that works around your schedule, not the other way around.

At Thimble, you only pay for what you need—no unnecessary extras, no lengthy commitments.

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Do Professional Organizers need to be certified?

While there are currently no federal or state mandates that professional organizers be certified, obtaining certifications for your expertise can not only enhance your credibility as you grow and book new jobs, and can also help justify higher prices.

Two established and nationally recognized routes include pursuing certification through ASPO, the American Society of Professional Organizers. Another option for a nationally recognized certification is through NAPO | National Association Professional Organizers, which is celebrating over 40 years of education and resources for their members. NAPO’s certification requirements are provided by the BCPO® | Board of Certification for Professional Organizers®.

Do Professional Organizers need to have insurance?

None of the 50 US states currently mandate insurance for professional organizers, but that does not mean many contracts do not require business insurance. From commercial jobs to in-home jobs that are subject to HOA regulation, professional organizers should strongly consider purchasing business insurance.

Insurance is important for professional organizers not only to qualify for contracts that require it, but also to help protect against potential liabilities like property damage, bodily injury, professional errors, and other risks, that can be costly without sufficient (or correct) business insurance coverage.

FAQs About Insurance for Professional Organizers

How quickly can I get insured?

With Thimble, you can get insured in less than 60 seconds. It’s fast, hassle-free, and completely online. Simply input your details, choose the coverage you want, and your Certificate of Insurance (COI) is ready to download immediately.

What level of coverage does Thimble offer?

You can choose between $1 million or $2 million in coverage limits. Not sure which suits your business best? Our system is designed to help guide you toward the right option for your specific needs.

Does this cover my employees?

If you hire employees, you’ll need to purchase workers’ compensation insurance separately. Thimble focuses on protecting your business from client-facing risks.

Can I add additional insureds?

Yes! With Thimble, adding additional insureds to your policy is quick, easy, and free of charge.

Why Choose Thimble?

Fast & Flexible: Get insured in minutes with coverage by the job, month, or year. Get a Certificate of Insurance immediately so you have the proof of coverage you need to keep moving.
Budget-friendly: Pay only for the coverage you need—no hidden fees or unnecessary upsells.
Hassle-free: Get a quote in the palm of your hands. Manage your policy entirely online (or in our app). Modify, pause, or cancel coverage as your business needs evolve.

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Stay focused on helping your clients, not worrying about risks. Get covered in minutes with Thimble’s CPA insurance.

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Note: The facts and circumstances surrounding the claim will determine the extent of coverage available.

Quick-thinking insurance for fast-moving businesses.

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