Even before I recruited my first Home Staging client I signed up for a hefty personal liability policy. I am admittedly ever-so-slightly accident prone despite my best efforts and let's face it, our litigious society is not one to mess with.
For less than $700/year I have a policy that covers me for up to $1.1 mil, per occurrence, up to 2 occurrences per year. Knock on wood, throw salt over my shoulder, light a candle, whatever superstitious beliefs tell a person to do, I haven't had a claim yet. But I definitely feel much safer with this policy in place. After all, one lamp with a short in the cord is all it could take to ruin a small business and the personal life of the owner.
UPDATE: Per request, I am listing my insurance agent's contact info here. I remember last year my independent contractor's regular insurance company did not have such policies available, so she had to call my agent.
Larry Smith State Farm Agency
11717 Burt Street
Suite 105
Omaha, NE 68154-1508
| Contact Numbers: |
| Phone: (402) 491-0111 |
| Fax: (402) 493-8546 |
| Toll Free: 1-888-491-0111 |
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