What does personal concierge insurance typically cover?

Most personal concierge and personal assistant businesses carry general liability alongside professional liability — generally intended to respond to a claim of injury, property damage, or a mistake made while performing services for a client, in the event of a covered claim.

I only do personal shopping — do I still need to answer the full questionnaire?

The quote form asks up front whether you're only a personal shopper. Beyond that, a standard set of underwriting questions applies to all personal concierge applicants — they help match you to the right carrier and don't disqualify you on their own.

Does transporting clients or their belongings change my coverage?

Yes. Transportation services — especially involving minors, or making up more than 10% of your receipts — are treated as a distinct exposure, so the quote form asks about them directly.

What if my services don't match the standard description?

If your services go beyond the typical personal-shopping, errand-running, and reservation-making list, the quote form lets you fully describe your business so it can be underwritten accurately.

Personal Concierge Insurance — Get a Quote

Tell us about your concierge business

A standard underwriting questionnaire for personal concierge and personal assistant services, then we'll work toward a quote.

Insuring a one-time or special event? Festivals, concerts, fundraisers, parades, weddings & more use a dedicated form.Special event quote →

About you

First name

Last name

Phone

Do you have a company or DBA (doing-business-as) name?

Business address

Street

City

State

ZIP

About the business

Type of business

Selected: Personal Concierge

Entity type

Number of owners active in the business

Only count owners who perform the business service — not clerical work (such as answering the phone or scheduling appointments).

Brief description of the business

Estimated gross receipts (next 12 months)

Gross receipts are your total revenue — all sales and income before subtracting any expenses. New business? A reasonable estimate is fine.

Employees & subcontractors

Any employees?

Any 1099 subcontractors used?

Claims & contracts

Any prior claims in the last 5 years?

Is there a specific contract with requirements you're trying to meet?

Property insurance

Would you also like to request a quote for property insurance?

A few more details

Are you only a personal shopper, such as somebody who shops for clothing or groceries?

A few standard underwriting questions for personal concierge and personal assistant services:

Do the applicant's services involve transporting minors?

Does the applicant derive more than 10% of its receipts from providing transportation services for its clients?

Does the applicant provide care for the elderly or childcare services?

Does the applicant provide travel documentation services to clients seeking entry into the United States?

Is the applicant controlled, owned, affiliated, or associated with any other firm, corporation, or company?

Are over 25% of the applicant's receipts derived from foreign operations?

Does the applicant have any subsidiaries?

Is the applicant a licensed professional (e.g. lawyer, accountant)?

Is more than 25% of the applicant's gross receipts derived from a client on whose board any director, officer, employee, partner, or independent contractor serves?

Does any director, officer, employee, partner, or independent contractor have more than 3% equity/financial interest in any client?

Does this describe all of your services? Your services may include personal shopping, running errands, waiting for contractors at someone's home, picking up packages from a shipping facility (such as UPS or the post office), picking up groceries, pick up/drop off of dry cleaning, helping with restaurant reservations, consulting on wardrobe, basic home organization, setting up appointments, ordering tickets, ordering flowers, waiting for a package for someone, waiting for a person to come to a client's home, and arranging for a third-party vendor to perform a service where the client pays the vendor directly.

Are you a senior home health aide?

Yes, subscribe me to the small business insurance newsletter. Plain-English tips, coverage explainers, and offers — no spam, unsubscribe anytime.

By submitting this form, you agree to receive text messages (SMS) and/or email regarding this quote or other insurance quotes you request. Standard message rates may apply. Reply STOP to opt out. You also agree to our Terms of Service and Privacy Policy.

Looking for something else? Browse all business insurance.

Coverage for personal concierges & assistants

General liability

Professional liability

Any errand or task