Comments on: Home stagers and liability insurance

By: Pauline Stevens

Pauline Stevens — Mon, 28 Mar 2011 21:04:04 +0000

You’re more than welcome, Debra!

By: Debra Gould

Debra Gould — Mon, 28 Mar 2011 18:25:24 +0000

Thanks for sharing that Pauline!

By: Pauline Stevens

Pauline Stevens — Sun, 27 Mar 2011 13:03:27 +0000

Hi Patricia… I have insurance here in Quebec. You can contact the same broker that I use:
PMT Roy Assurance: http://pmtroy.rabaisassurance.com/index.fr.html

All the best of success to you!

By: Debra Gould

Debra Gould — Sat, 26 Mar 2011 15:33:27 +0000

Patricia, no I don’t have a Quebec insurance contact. I suggest you do very specific Google searches on your own.

By: patricia

patricia — Fri, 18 Mar 2011 22:27:59 +0000

I have looked into insurance and have come up empty not being able to find a company that will insure a stager in Quebec. Do you know of a company I can contact?

By: Do home stagers need insurance? | Staging Diva Dispatch

Do home stagers need insurance? | Staging Diva Dispatch — Tue, 22 Jun 2010 18:55:22 +0000

[...] of toddlers, and don’t keep the homeowner’s house keys for any length of time.> Read more about liability insurance for home stagers Share and Enjoy:Home Staging ResourcesThe Home Stager's Guide to Twitter will show you how to use [...]

By: Pauline Stevens

Pauline Stevens — Tue, 22 Jun 2010 14:51:21 +0000

Well, in the province of Quebec where I come from, it’s important that you be insured as a home stager. Not only do you need insurance for your home staging tools, equipment, etc., if they are stolen (from your office, home or car, for example), but you need civil liability insurance to at least the tune of one million dollars coverage. As Heather Cook said above, it only takes one catastrophe to wipe out your business. And don’t forget, if your business is not incorporated, this means you can even wipe out your family, your family home, your investments, etc. You can be held personally responsible for damages caused to a client’s home, even if you didn’t do the work directly but hired a contractor instead. So, if you’re hiring contractors for your clients, you’ll want to get your clients to sign a contract that underlines the fact that you as a home stager CANNOT be held responsible for work done by a contractor.

Basically, cover yourself as much as you possible can. And if you plan on training anyone as a home stager, then you need to get insurance for that too because if you trained a home stager and you forgot to mention something important during training, the home stager makes a mistake because of it, well, basically, if that home stager gets sued, he or she can turn around and sue you themselves, saying you didn’t train them properly. So, you’ll need an insurance policy called “Error and Omission” coverage.

And imagine…. we’re in Canada which isn’t the most sue-happy country in the world… It’s never a bad idea to be insured because as we all know, accidents to happen. And you may just be moving a lamp from one table to the next room, but if you drop a tiffany lamp that is worth thousands of dollars, you’re in trouble. I prefer to be prepared instead of having to one day possibly pay. Insurance for home stagers isn’t all that expensive.

By: Heather Cook

Heather Cook — Fri, 02 Oct 2009 17:42:35 +0000

The one piece of advice I give aspiring stagers is to get liability insurance and invest in contracts. I can’t stress those items strongly enough. While little things happen once in awhile – major catastrophes only have to happen once to potentially wipe out your small business. Especially for those stagers who have “teams” they work with which include contractors, painters, landscapers, cleaners and more. Check out the Ontario Health & Safety Act and be aware of what role you take in any staging/renovation project.