Los Angeles Home Staging Info

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Is Your Home Stager Insured?

Is your home stager insured?

Not all home stagers are created equal and not all home stagers carry home staging liability insurance. Whether you are staging a vacant home, staging an occupied home, staging a model home, or staging a real estate investment property, hiring someone who is properly insured is very important. Its important you make sure that the Los Angeles home stager you hire carries current home staging business liability insurance. And you should also make sure that any employees of the home staging company are covered by Workers Comp Insurance. Accidents happen, and you want to make sure that your personal assets, as the homeowner or listing agent, are protected.

Moving Mountains Design, one of the top home staging company in Los Angeles and Pasadena, carries $4 million in aggregate liability home staging business insurance. And our employees are covered by Workers Comp Insurance as mandated by California law.

Home staging business liability insurance should be a standard business expense for all professional home stagers. If the home stager you have hired is significantly less expensive than other Los Angeles home staging companies, there is a good chance that they do not carry liability insurance that will protect you in the event of a loss caused by the staging company. There is also a good chance that they are breaking California law by illegally hiring employees without paying Workers Comp Insurance.

Protect yourself and protect your assets by asking your home stager to provide you with current proof of insurance for liability and Workers Comp insurance.

This post originally appeared on my Los Angeles home staging website.

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Los Angeles Real Estate Staging

2015 RESA Professional Stager of the Year

2014 RESA Top 10 Professional Home Stager2010 RESA Professional Stager of the Year

Michelle has staged hundreds of Los Angeles homes, many of which have sold with multiple offers, above listing price.

She works with home sellers, listing agent, builders, flippers and asset managers to prepare homes for sale throughout Los Angeles and North Orange County.

Moving Mountains Design provides vacant home staging, color consultations, corporate and executive relocations,  and interior design. We also stage model homes, REOs, foreclosures and auction properties for real estate investors and asset managers. Builders hire us to stage their models or to help move inventory when sales slow down.

For more information about our Los Angeles home staging services, contact Michelle at (626)385-8852 or by email.

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Comment balloon 30 commentsMichelle Minch • January 11 2011 11:16AM

Comments

I forgot to add that RESA-Pro home stagers must carry home staging liability insurance in as part of the RESA-Pro requirements. This is one (of many) good reasons you should always hire a RESA-Pro home stager.

Posted by Michelle Minch, Home Staging Los Angeles and Pasadena, CA (Moving Mountains Design Home Staging, Pasadena, CA) almost 8 years ago

Michelle- great, informative post.  It's not something I'd previously considered, so thanks!

Posted by Marcie Sandalow, Bethesda Chevy Chase DC real estate (Marcie Sandalow, Compass 301.758.4894 ) almost 8 years ago

Marcie: Hiring service providers, like home stagers, that are insured for liability protects both you and your clients.

Posted by Michelle Minch, Home Staging Los Angeles and Pasadena, CA (Moving Mountains Design Home Staging, Pasadena, CA) almost 8 years ago

Great blog Michelle!  Insurance is sooo important.  It's not just about "professionalism" either.  It's about protecting your business, personal assets and the client!

Posted by Melissa Marro, Jacksonville Real Estate and Home Staging (Keller Williams First Coast Realty - The Marro Team) almost 8 years ago

Melissa: I'm always shocked to hear that some home staging training providers tell their students that they don't need to have insurance. What a crock! I'm glad to know that SAR training emphasizes the importance of having liability insurance.

Posted by Michelle Minch, Home Staging Los Angeles and Pasadena, CA (Moving Mountains Design Home Staging, Pasadena, CA) almost 8 years ago

I've had insurance from the beginning. It wasn't easy to find in my area but I found a company. They didn't know how to insure me but finally decided to insure me like an Interior Designer LOL.

Posted by Janice Ankrett, Staging Professional (Janice Ankrett Home Staging) almost 8 years ago

Janice: There are a couple of major insurance companies that write insurance for home stagers. I use Farmers. Any insurance broker that handles Farmers should be able to contact Farmers and request home staging insurance.

Posted by Michelle Minch, Home Staging Los Angeles and Pasadena, CA (Moving Mountains Design Home Staging, Pasadena, CA) almost 8 years ago

Good heads up, Michelle.  Many would not think to ask this question.  Better to be safe than sorry.

Posted by Jane Peters, Connecting you to the L.A. real estate market (Home Jane Realty) almost 8 years ago

Sad to say, but I think there are many hobby stagers out there that don't carry insurance...and many clients that don't know that!  So yes, when it comes down to price, and clients go for the "cheaper" option, well you get what you pay for! 

I've had some problems with the local Realtor Assoc. up here in Minneapolis not excepting Stagers to have Supra Keys...it's still an ongoing battle.  They already let photographers have one, but not stagers.   My suggestion to them was to come up with a list of "qualifications" that the applicant would have to pass in order to qualify them as a legitimate, professional stager. That way they could weed out the ones that may be posing as a professional, and have an easy way  to get a Supra Key.  One of the "qualifications" was proof of insurance, paid for the current year.  Not only is it extremely important to carry insurance for protecting your business and your client's property, but it is a large investment into your business that makes a statement that you are serious about what you do.  Needless to say, I haven't made any headway with the RE Association, but in time, we will see.

Julie

Posted by Julie Davis, Amy Blank - Rediscovered Interiors, LLC (Rediscovered Interiors, LLC) almost 8 years ago

Jane: I always check insurance for anyone I hire to work in my home or for clients. I want my clients to feel like I am looking out for their best interests by providing liability coverage.

Julie: I agree. Home stagers cannot get Supra Keys here in Los Angeles either. Your suggestions were very good for qualifications. I hope they come around.

An uninsured home stager may appear cheaper, but will seem awfully expensive if there are any liability claims.

Posted by Michelle Minch, Home Staging Los Angeles and Pasadena, CA (Moving Mountains Design Home Staging, Pasadena, CA) almost 8 years ago

Insurance is so important for many reasons.....I want to protect my clients & myself!!

Posted by Kathy Burke, S.F. East Bay Home Staging (Sensational Home Staging~~Danville, CA) almost 8 years ago

Great advice. I've found that most prospects will ask if I carry insurance. If they don't ask, I make it a point to mention it. Like Kathy B above, I have the insurance to protect me and my clients.

Kathy

Posted by Kathy Nielsen, Atlanta Georgia Home Stager (http://atlantahomestaging.net) almost 8 years ago

It is hard for me to conceive anyone in any service industry not having insurance.  Even when Linda first started Home Matters, getting insurance was one of the first things she did.  And like you we have more than enough to cover any problems that could arise.  I guess when your not totally committed to your business, insurance may seem like a luxury instead of a necessity.  Linda always carries a copy of our proof of insurance just in case she's asked.

Posted by Gary Barnett, Home Matters Property Stylist Group, Indianapolis (Home Matters) almost 8 years ago

I was just notified yesterday that my insurance company will no longer be carrying staging insurance.  So I'm on the hunt for a new provider that works in California.  Any suggestions?

Posted by Beth Lester, Home Staging & Interior Decorating (Beth Lester Designs) almost 8 years ago

Kathy: I think carrying business liability insurance is the mark of a true professional and is worthy of mention.

Gary: I think if one is not fully committed to their business, insurance is a nuisance, not a luxury. Business insurance should be mandatory when getting a business license, IMO.

Beth: Try Neace Lukins Insurance. They write stagers' policies. I get mine through Paychex, my payroll company. I don't think you have to use them for payroll to sign up for insurance. (I cannont recommend Vitalia. I had a bad experience and switched a couple of years ago(

Posted by Michelle Minch, Home Staging Los Angeles and Pasadena, CA (Moving Mountains Design Home Staging, Pasadena, CA) almost 8 years ago

Just in: You can call The Hartford direct for home staging business policies (866)467-8730. I mentioned earlier I am with Farmers, but that is for Worker Comp insurance. The Hartford write home staging business policies.

Posted by Michelle Minch, Home Staging Los Angeles and Pasadena, CA (Moving Mountains Design Home Staging, Pasadena, CA) almost 8 years ago

Thanks so much, Michelle.  I'll give them a call.

Posted by Beth Lester, Home Staging & Interior Decorating (Beth Lester Designs) almost 8 years ago

Beth: Once I signed up for the insurance my agent refered me to the insurance company for any questions  and I wound up dealing with The Hartford direct anyway.

Posted by Michelle Minch, Home Staging Los Angeles and Pasadena, CA (Moving Mountains Design Home Staging, Pasadena, CA) almost 8 years ago

I have had it since day 1. You have to show your policy when you work with builders and maintain $2 million policies in most cases.

Posted by Shar Sitter, Home Staging and Redesign Minneapolis/ St. Paul, M (Rooms With Style) almost 8 years ago

Shar: I've had to show proof of insurance an number of times in order to stage in condo developments. The HOA insist on them.

Posted by Michelle Minch, Home Staging Los Angeles and Pasadena, CA (Moving Mountains Design Home Staging, Pasadena, CA) almost 8 years ago

Every model home builder, REO asset manager, new home builder and investor wants a copy of my policy. I have had it since I started my business.

Posted by Cathy Lee, ASP, IAHSP, RESA Danville, CA (CL Design Services Home Staging) almost 8 years ago

So key to protecting not only ourselves as business owners but our clients as well Michelle!

Posted by Karen Otto, Plano Home Staging, Dallas Home Staging, www.homes (Home Star Staging) almost 8 years ago

Michelle, great timing.  I just signed with a broker in Canada.  He is looking for Canadian stagers who require insurance.  We need to maintain 27 stagers in order to continue to receive a reduced premium rate.  Contact info.  Anthony Giaitzis agiaitzis@stoneridgeinsurance.ca

Posted by Christine Dyson, Visual Appeal, IADIE & RESA (Visual Appeal Home Staging & Redesign) almost 8 years ago

Cathy Lee: Yes, I've had the same experience.

Karen: Having insurance protects all interested parties.

Christine: Hey all you Canadian stagers...Check out Christine's comment #23 above!

Posted by Michelle Minch, Home Staging Los Angeles and Pasadena, CA (Moving Mountains Design Home Staging, Pasadena, CA) almost 8 years ago

So true!!! I have had insurance since day one and so thankful. Once I was home staging a house by myself. I was holding a crystal glass vase when there was a LOUD bang on the door and the homeowners dog jumped 10 feet in the air. Naturally, I jumped  and threw the vase. YIKES!!! luckily, it wasn't an heirloom (since I do ask any valuables, antiques be packed and moved prior to us arriving) but my handy dandy insurance took care of buying a new identical one from C&B

Posted by Cecilia C. Cannon (Home Staging By CC) almost 8 years ago

Hi Cecilia: Glad your insurance took care of it!

Posted by Michelle Minch, Home Staging Los Angeles and Pasadena, CA (Moving Mountains Design Home Staging, Pasadena, CA) almost 8 years ago

Hi Michelle, this is one of the first questions I ask anyone that I work with. I not only ask, I ask for written proof by way of a binder letter. I have had insurance since day 1. It's not a question of if  you will be sued, but rather when. I worked in construction for two years. We were sued twice. I didn't know you have to ask your insurer to tell you if you have been sued. They just pay out if it is a small claim. They only told me five years later as I asked one day.

We have to have insurance when working on building sites or you are not allowed on the site. Although I know builders that use stagers that do not have insurance. Trouble waiting to happen.

Thank you for posting about this important topic. Real estate sales people have to realize that stagers need insurance to work in clients homes just as much as they have insurance to while selling real estate.

 

Posted by Michelle Finnamore, Preparing your property for sale (Toronto GTA, Alliston, Newmarket) almost 8 years ago

Michelle: If a REA recommends any kind of service provider, they should protect their clients and their own interests by making sure the service provider is fully insured.

Posted by Michelle Minch, Home Staging Los Angeles and Pasadena, CA (Moving Mountains Design Home Staging, Pasadena, CA) almost 8 years ago

Hi Michelle...

I'm from Canada and being insured is a def must!  I cannot see why anyone would want to put their business at risk by not investing in insurance.  Big no no.

As a homeowner, I would not want anyone working in my house without being insured.

Great reminder for all Stagers who may not have thought of being insured.

Part of the Certified Staging Professionals course is to get insured before you start. 

 

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Posted by Elizabeth Buetow (Simply Staging) almost 8 years ago

Interesting Elizabeth I didn't know the CSP course requires insurance. That's good to know.

Posted by Michelle Minch, Home Staging Los Angeles and Pasadena, CA (Moving Mountains Design Home Staging, Pasadena, CA) almost 8 years ago

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