Who offers liability insurance for professional organizers?

Answer 1

There is an organization called the National Association of Professional Organizers. It offers a variety of benefits, including liability insurance, medical discount cards (which are NOT insurance) and other things. You may want to start with them, as the insurers with which they deal are likely to be familiar with your trade and have tailored policies.

That said, you must be very careful that any insurance that you get is written by a licensed insurer; that is, the entity financially responsible for the payment of claims must be licensed by one or more state insurance departments. There is a sordid history of fraud in the insurance market-including health insurance-and often when insurance is sold to and through affinity groups.

You may also go to a licensed insurance broker to investigate coverage. A broker generally represents a variety of insurers, and is more likely to have a market for the insurance that you seek. In contrast, an "agent" usually represents only one or a couple of insurers and will have less of a choice of markets.