Personal Shopper Insurance
Coverage shaped around the on-the-go, client-facing nature of personal shopping.
What this coverage is intended to address
- ✓General liability for third-party bodily injury or property damage that may occur in stores or at a client's home during a styling session
- ✓Allegations that a service error or wrong selection caused a client a loss — addressed through professional liability insurance, also called Errors & Omissions (E&O) insurance
- ✓Accidental damage to merchandise or a client's property while you work
- ✓Defense costs that may arise from a client dispute, in the event of a covered claim
Coverage products commonly considered
Most personal shopper operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A personal shopper accidentally knocks over and breaks a display while selecting items in a boutique — general liability is intended to respond in the event of a covered claim.
- A client alleges that a shopper purchased the wrong sized wardrobe for an event, resulting in a loss. Professional liability / E&O may help respond to an allegation of this nature.
Frequently asked questions
Why would a personal shopper need insurance?
Because you work in stores and clients' homes, an accident can lead to a claim. General liability is generally intended to address third-party injury or property damage, while professional liability, also called Errors & Omissions (E&O) insurance, is intended to respond to service-related allegations.
Does this help if I damage store merchandise?
Accidental property damage while you work is the type of loss general liability is intended to respond to in the event of a covered claim. Terms and limits vary by carrier.
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