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Insurance for home stagers

As a home stager, you help clients “set the stage” to sell their home, using your keen eye for detail to transform spaces and make them look move-in ready. With your unique set of skills, you help to declutter and depersonalize, making it easier for potential homebuyers to visualize a house as their new home. But if anything goes wrong while your client’s property is being staged, you could face financial implications and even lawsuits. Whether you operate alone or have employees who work with you, the right insurance coverage can protect you and your bottom line from losses and lawsuits.

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Insurance for home stagers

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Why do I need home stager insurance?

The right coverage can help you get back to business in the event of an unexpected loss.

Protect your equipment:

What if a fire breaks out in your workshop?

Whether you work out of your home or lease a space to store your staging props and rentals, such as furniture, artwork, plants, rugs, and paint, insurance can help with repair or replacement costs for all of these things, should you suffer an insured loss.

Mistakes happen:

What if you accidentally damage a client’s property?

You take care when decluttering, redecorating, or rearranging a client’s home, but mistakes can and do happen. If you accidentally break a family heirloom or scratch a piece of artwork while you’re on the job, the right insurance coverage can help protect you.

Protect against theft:

What if some of your staging props go missing at a client’s home?

Home staging could involve redecorating with your own furniture, art, and rugs — or with rental staging props. If any of those items are stolen from a client’s home, the right coverage may help with some of the costs of replacing them.

Damages on the go:

What if your staging props are damaged on the way to a client’s home?

While driving to and from jobsites may seem like the easiest part of your job, accidents can happen between point A and point B. The right insurance policy can help cover props, materials, or equipment that’s damaged while you’re driving.

Who needs home stager insurance?

Home stagers
Staging technicians
Staging professionals

What type of insurance do home stagers need?

We’ll help you build a customized policy that meets your business’ unique needs.

Commercial general liability:

Commercial general liability insurance, also known as CGL insurance, is designed to protect small business owners when they face liability claims for bodily injury or property damage to a third party. For example, if a potential homebuyer trips on a rug and falls while touring a home you staged, you could be held liable — but your CGL policy can help cover the costs associated with a lawsuit.

Commercial property:

What if a fire destroys your office or damages your staging props? What if someone steals from you? Commercial property insurance may be able to help with the costs associated with these types of losses. This coverage not only protects your bottom line, but it can also help to limit business disruption and downtime.

Employee protection:

If you have employees, you can attract the best and brightest by protecting those employees and their families with a group benefits plan that includes life insurance, extended health coverage, and dental coverage.

Equipment floater:

Whether you’re repainting the living room in a neutral palette to attract buyers or sprucing up the yard to boost a home’s curb appeal, you need the right equipment to get the job done. If any of your mobile equipment is stolen, it can be costly to replace. Coverage for your mobile equipment can ensure your business is protected by helping to cover some of these costs.

Installation floater:

If you install products or fixtures in clients’ homes, this coverage could help protect you if something is damaged before or during the installation. Materials, equipment, and supplies that enter into and form part of a completed installation would fall under this coverage if they’re damaged by an insured peril in transit to or at the client’s home.

Commercial auto insurance:

As a home stager, you transport staging props and equipment from site to site, which means you’ll require commercial auto insurance. Unlike a personal auto policy, commercial auto insurance is designed to provide coverage for your company car. Some small business owners may believe that they’ll be covered by their personal auto policy while using their vehicle for commercial purposes, however, there are some important differences between the two that can leave you vulnerable to risk.

How much is insurance for a home staging business?

The cost of insuring a home staging business will depend on a variety of factors, including the following:

Annual revenue
Location of your business
Claims history

The TruShield advantage:

We’re as flexible as you need us to be.

24/7 Claims service:

We’re always open for you. With around-the-clock claims support by phone and online, we make settling claims fast, simple, and stress-free.

Flexible payment options:

Pay for your policy all at once or in convenient monthly installments. We also offer 0% interest and we’ll even accept payment by credit card.

We adapt as you do:

If you need to update your coverage at any point during your term, give us a call and we’ll walk you through the process. You can also cancel your policy at any time with no early termination fees.

We have more than just insurance:

There’s more to your TruShield policy than meets the eye. Here are a few ways we help support you on more than just insurance coverage.

Risk Management Assist:

Every TruShield customer has access to our team of Risk Services specialists who can help guide you through any questions or concerns you may have about the risks your business faces and how to prevent loss.

Trauma Assist:

Suffering a loss to the business you’ve worked so hard to build is not an easy experience. Our Trauma Assist service is designed to help owners and employees cope with the emotional effects of a loss.

Legal Assist: *

Legal Assist provides you access to legal advice and practical solutions for matters affecting your business. It includes a telephone legal helpline, document review and drafting services, and access to customizable legal templates.

* Legal Assist services are not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage and are not an insurance policy. Legal Assist services are provided through ARAG Legal Solutions Inc. by lawyers licensed in the province or territory of your residence.

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Answer a few online questions, and get an estimate instantly.

Terms, conditions and exclusions apply, see policy for details. The services described on this website are not insurance policies and not all policies are eligible. For more information on our services and for information on our insurers please see Terms and Conditions. Certain content used on this website are trademarks or tradenames of Northbridge Financial Corporation (or its affiliates) and are used under license by our insurers. For more information please see Trademark Information. CISRO Principles of Conduct for Insurance Intermediaries. About your Insurance Broker Fact Sheet.

Legal information

Certain content used on this website are trademarks or tradenames of Northbridge Financial Corporation (or its affiliates) and are used under license by our insurers. For more information please see Trademark Information.

TruShield Insurance, 105 Adelaide Street West, Toronto, ON M5H 1P9

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Insurance for home stagers

Insurance for home stagers

Why do I need home stager insurance?

Protect your equipment:

Mistakes happen:

Protect against theft:

Damages on the go:

Who needs home stager insurance?

What type of insurance do home stagers need?

Commercial general liability:

Commercial property:

Employee protection:

Equipment floater:

Installation floater:

Commercial auto insurance:

How much is insurance for a home staging business?

The TruShield advantage:

24/7 Claims service:

Flexible payment options:

We adapt as you do:

We have more than just insurance:

Risk Management Assist:

Trauma Assist:

Legal Assist: *

Ready to get a quote?

Head office

Business Insurance in Canada

Send us a message

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Business liability insurance

Commercial auto insurance

1-844-429-9480

Insurance for home stagers

Insurance for home stagers

Why do I need home stager insurance?

Protect your equipment:

Mistakes happen:

Protect against theft:

Damages on the go:

Who needs home stager insurance?

What type of insurance do home stagers need?

Commercial general liability:

Commercial property:

Employee protection:

Equipment floater:

Installation floater:

Commercial auto insurance:

How much is insurance for a home staging business?

The TruShield advantage:

24/7 Claims service:

Flexible payment options:

We adapt as you do:

We have more than just insurance:

Ready to get a quote?

Head office

Business Insurance in Canada

Send us a message

Update payment information

Update website consent

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