Personal Concierge Insurance: Cost & Quotes From $25/mo

Table of contents

Personal concierge services help busy individuals deal with house cleaning, time management, and other related chores. If you work as a personal concierge consider, purchasing insurance is crucial. Personal concierge insurance can help with lawsuits, income loss, and other risks. Read this guide to know what policies are included, the cost of premiums, and the best companies. 

General Liability Insurance for Concierge Services

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


General liability insurance is a fundamental policy for personal concierge businesses, providing coverage for bodily injury, property damage, and advertising or personal injury claims. The coverage limits typically range from $1 million to $5 million, depending on your business needs and requirements.

This insurance can help in situations such as a client slipping and injuring themselves in a location you are responsible for, accidentally damaging a client’s property while performing your services, or a competitor accusing you of false advertising.


Add-Ons to General Liability Insurance for Concierge Services

  • Professional liability insurance–This coverage extends protection for errors or omissions in the professional services you offer as a personal concierge, such as providing incorrect information or advice to a client

  • Cyber liability insurance–Protecting sensitive client data is crucial in the digital age. Cyber liability insurance helps cover expenses related to data breaches, cyberattacks, and the legal liabilities that may arise from such incidents

Do I Need General Liability Insurance if I Work as an Independent Personal Concierge?

Yes, even as an independent concierge, it’s essential to have General Liability Insurance. Accidents or mistakes can still occur, and this coverage protects you from potential financial losses.


What Does General Liability Insurance Exclude?

This concierge business insurance typically excludes coverage for intentional acts, damage to your property, or liabilities related to professional services. For these situations, additional policies may be necessary.


Professional Liability Insurance for Concierge Services

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No Can be included
License defense coverage included? No No No No Can be included
Deductible  $500 $500 $500 $50/$10,000 $500


Professional liability insurance, also known as errors and omissions insurance, specifically covers claims arising from professional mistakes or negligence in providing services. It protects personal concierges from financial damages resulting from allegations of errors, omissions, or failure to deliver promised services.

The coverage limits for liability insurance generally start at $1 million and can be customized to suit your business requirements.

This insurance can help when a client claims you provided inaccurate information that resulted in financial losses, failed to deliver services as promised, or a dissatisfied client sues you for negligence.

Do I Need Professional Liability Insurance if I Offer a Wide Range of Personal Concierge Services?

Yes, professional liability insurance is essential regardless of the variety of services you offer. It protects you from lawsuits resulting from errors or negligence in your professional duties.


What is the Difference Between General Liability Insurance and Professional Liability Insurance?

General Liability Insurance covers bodily injury, property damage, and personal injury claims. Professional Liability Insurance focuses specifically on claims related to professional mistakes, negligence, or failure to deliver promised services.


Media Liability Insurance for Concierge Services

This insurance is essential for personal concierge businesses that engage in media-related activities, such as content creation, social media management, or marketing services. This policy protects against claims of defamation, copyright infringement, or invasion of privacy arising from your media-related activities.

The coverage limits for media liability insurance can vary but typically start at $1 million. It’s important to assess your specific needs and potential risks when determining the appropriate coverage limit for your business.

This insurance can help in situations where a client accuses you of using their copyrighted material without permission, a social media post results in a defamation claim, or a client alleges that their privacy was violated through the use of personal information in your marketing campaigns.


Add-Ons to  Media Liability Insurance for Concierge Services

  • Intellectual property infringement coverage–This add-on provides additional protection against claims of intellectual property infringement, including trademarks and patents

  • Crisis management coverage–In the event of a media-related crisis or reputational damage, this add-on helps cover expenses associated with crisis management services, public relations, and communication efforts

Do I Need Media Liability Insurance if I Only Use Social Media for Marketing My Personal Concierge Services? 

Even if you primarily use social media for marketing, media liability lnsurance is important. Accusations of defamation, copyright infringement, or privacy violations can still arise from your online activities, and this insurance provides necessary protection.

What Types of Media-Related Activities Are Typically Covered Under Media Liability Insurance?

Media liability insurance covers a wide range of activities, including content creation, social media management, online advertising, website development, blogging, and other media-related services. It’s important to review your concierge business insurance policy to ensure your specific activities are covered.

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Commercial Property Insurance for Concierge Services

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Commercial property insurance is crucial for you if you own or lease office spaces, equipment, or other physical assets. This policy provides coverage for damages or losses to your business property.

The coverage limits for commercial property insurance depend on the value of your property and the level of coverage you choose. It’s important to accurately assess the value of your assets to ensure adequate coverage.

This insurance can help in situations where your office or equipment is damaged by a fire, a burglary results in stolen property, or severe weather causes structural damage to your business premises.


Add-Ons to Commercial Property Insurance for Concierge Services

  • Equipment breakdown coverage–Protects against financial losses resulting from the breakdown or failure of essential equipment, such as computers, printers, or specialized tools

  • Flood Insurance–If your business is located in a flood-prone area, adding Flood Insurance can provide coverage for damages caused by flooding, which is typically not covered under standard commercial property insurance

Is Commercial Property Insurance Necessary for Personal Concierge Businesses That Operate From a Home Office?

If you operate your personal concierge business from a home office, your homeowners or renters insurance policy may provide some coverage. However, it’s crucial to review your policy’s terms and limitations, as additional coverage may be necessary to adequately protect your business assets.


Business Owner’s Policy for Concierge Services

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded


A (BOP) is a comprehensive insurance package designed to provide coverage for various aspects of your personal concierge business. It typically combines General Liability Insurance and Commercial Property Insurance into a single policy, offering convenience and cost savings. BOPs are available with limits as low as $300,000 to $600,000 and as high as $2 million to $4 million. 

This insurance can help in situations such as a client slipping and injuring themselves in your office space, damage to your business property due to a covered event, or allegations of negligence in the services you provide.

Add-Ons to Business Owner’s Policy for Concierge Services

  • Business interruption insurance–This add-on covers lost income and ongoing expenses if your business operations are interrupted due to a covered event, such as property damage

  • Commercial crime coverage–This add-on protects your business against financial losses resulting from crimes such as employee theft, forgery, fraud, or robbery. It can provide coverage for stolen funds, damaged property, or loss of valuable documents

Can I Customize the Coverage Limits in a Business Owner’s Policy?

Yes, the coverage limits in a business owner’s policy can be customized to align with your business requirements. It’s important to assess the value of your assets and potential liabilities to ensure adequate coverage.


Tools and Equipment Insurance for Concierge Services

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


Tools and equipment insurance provides coverage for the tools, equipment, and specialized items that are essential to your personal concierge business. Whether you rely on laptops, smartphones, cleaning supplies, or other specific tools, this policy protects against damages, theft, or loss of your valuable business assets.

The coverage limits for tools and equipment insurance are based on the total value of the items being insured. It’s important to document and evaluate the worth of your tools and equipment accurately.

This insurance can help in situations where your equipment is stolen from your vehicle, damaged due to a covered event, or lost during transit.

Add-Ons to Tools and Equipment Insurance for Concierge Services

  • Inland marine coverage–This add-on extends coverage for your tools and equipment even when they are not within your premises. It provides protection during transportation, while on job sites, or when temporarily stored elsewhere

  • Rental reimbursement coverage–If you often rent tools or equipment for specific projects, this add-on reimburses you for the cost of renting temporary replacements if your insured items are damaged or stolen

Can I Add Newly Purchased Equipment to My Existing Tools and Equipment Insurance Coverage?

Yes, it’s essential to update your policy whenever you acquire new tools or equipment for your personal concierge business. Contact your insurance provider to ensure the new items are included in your coverage and adjust the policy accordingly.


Commercial Auto Insurance for Concierge Services

This insurance is crucial if your personal concierge business utilizes vehicles for business purposes. This policy provides coverage for vehicles owned or used by your business, protecting against accidents, property damage, and liability claims while on the road.

The coverage limit for commercial auto liability insurance per vehicle is commonly established at $100,000. However, it is recommended to have a minimum coverage of $500,000, with the option to increase it up to $1 million.

This insurance can help in situations such as auto accidents involving your business vehicles, property damage caused by your vehicles, or injuries to third parties resulting from your business vehicle’s operations.


Add-Ons to Commercial Auto Insurance for Concierge Services

  • Umbrella insurance–Umbrella coverage provides additional liability protection beyond the limits of your primary Commercial Auto Insurance policy. It offers an extra layer of financial security in case of severe accidents or costly lawsuits

  • Roadside assistance coverage–This add-on provides assistance in case of breakdowns, flat tires, or other non-accident-related issues while on the road. It helps keep your business running smoothly and minimizes downtime

Can I Insure Multiple Vehicles Under a Single Commercial Auto Insurance Policy?

This insurance allows you to insure multiple vehicles under a single policy, making it convenient for businesses with a fleet of vehicles. Discuss your specific needs with your personal concierge insurance provider to determine the best approach for your personal concierge business.


Workers Compensation Insurance for Concierge Services

Workers compensation insurance is essential for personal concierge businesses that employ workers or have contractors. This policy provides coverage for work-related injuries or illnesses sustained by your employees, including medical expenses, lost wages, and rehabilitation costs.

Coverage limits and requirements vary by state. The maximum payout per accident is typically $100,000, and the maximum payout per disease per policy year is usually $500,000. This insurance can help in situations where an employee slips and falls while performing their duties, develops a work-related illness, or sustains an injury during job-related activities.


Add-Ons to Workers Compensation Insurance for Concierge Services

  • Employer’s liability coverage–This add-on extends coverage beyond the scope of Workers Compensation, protecting your business against liability claims brought by employees who allege negligence or other wrongful acts

  • Occupational accident insurance–For independent contractors or subcontractors working for your personal concierge business, this coverage provides benefits similar to Workers Compensation Insurance, offering protection in case of accidents or injuries

  • Return-to-work program–This add-on assists with creating a structured program to help injured employees return to work as soon as medically feasible, reducing the impact of lost productivity and promoting a smoother transition back to work

Do I Need Workers Compensation Insurance if I Only Have a Few Part-Time Employees?

The need for workers compensation Insurance depends on your state’s regulations and the number of employees you have, including part-time workers. Even if you have a small workforce, it’s crucial to comply with your state’s requirements and protect your employees in the event of work-related injuries or illnesses.


Excess Liability Insurance for Concierge Services

Excess liability insurance provides additional liability coverage beyond the limits of your primary general liability, professional liability, or commercial auto insurance policies. It acts as an extra layer of protection against high-value claims and lawsuits that may exceed your primary policy limits.

The coverage limits for excess liability insurance can vary based on your business’s needs, but it typically starts at $1 million. This insurance is designed to cover the costs of legal defense, settlements, or judgments exceeding your underlying policies’ limits.

This insurance can help when your business faces a significant liability claim that surpasses the coverage limits of your primary policies, helping to safeguard your assets and financial stability.

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Personal Concierge Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $28 $336 $0-$500
Professional liability insurance $33 $396 $1,000-$2,000
Commercial property insurance $39 $468 $1,000-$2,000
Business owner’s policy $44 $528 $1,500
Tools and equipment insurance $30 $360 $500-$1,000
Commercial auto insurance $41 $492 $500-$1,000
Workers compensation insurance $62 $744 $2,500-$5,000
Excess liability insurance $37 $444 $500-$1,000


The average personal concierge insurance cost is $28 per month or $336 per year for a $1 million general liability policy. Factors that affect premiums are:

  • Size and scope of business–The scale of your personal concierge business, including the number of employees, clients, and annual revenue, can impact the insurance cost

  • Services provided–The specific services you offer as a personal concierge, such as errand running, event planning, or travel assistance, can affect the personal concierge insurance premium

  • Coverage limits–The coverage limits you choose for each policy, such as general or professional liability, can impact the cost. Higher coverage limits generally result in higher premiums

  • Location–The geographic location of your business can influence insurance costs, as factors like local laws, regulations, and the level of competition among concierge business insurance providers can vary

  • Claims history–Your personal concierge business’s claims history, including past insurance claims or incidents, can impact the cost. A history of claims may result in higher premiums

  • Deductibles–The deductible is the amount you must pay out of pocket before insurance coverage. Choosing a higher deductible can lower the premium but means you’ll have to pay more in the event of a claim

  • Additional coverages–Including additional coverages to a base policy can increase the overall insurance cost

  • Business experienceThe length of time your personal concierge business has been operating can impact the insurance cost. More established businesses may be perceived as lower risk and receive more favorable premiums

Here’s a sample table providing estimated monthly insurance costs for personal concierge services, along with different types of insurance coverage:

Cost per Month Cost per Year Best for
NEXT $14 $168 Best overall; Fastest general liability insurance
CoverWallet $16 $192 Comparing personal concierge insurance quotes online
The Hartford $18 $216 Small personal concierge businesses looking for customizable coverage and additional support services
Tivly $20 $240 Comparing personal concierge insurance quotes over the phone
Thimble $22 $264 Personal concierge businesses requiring short-term coverage
Hiscox $24 $288 Personal concierge insurance with automatic renewal

Compare Cheap Personal Concierge Insurance Quotes Online

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Best Personal Concierge  Insurance Companies

Here are the companies you want to consider working with. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy:


NEXT Personal Concierge Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance 

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT is an insurance technology company focused on providing tailored coverage solutions for small businesses, including personal concierge services. With its user-friendly online platform, NEXT offers a seamless concierge business insurance

experience, allowing business owners to obtain quotes, manage policies, and file claims conveniently. They prioritize understanding the unique risks personal concierge businesses face and provide comprehensive coverage options to address those needs.

Best for: Best overall; Fastest general liability insurance 

Average cost: $14 per month

Our rating: 10/10


CoverWallet Personal Concierge Insurance

Pros

  • Offers an easy-to-use online platform for obtaining quotes and managing insurance policies

  • Provides a range of coverage options specifically designed for personal concierge businesses

  • Works with multiple insurance carriers, allowing for competitive pricing

Cons

  • Some users have reported occasional delays in customer service response times

CoverWallet is an insurance brokerage firm that simplifies the insurance process for small businesses, including personal concierge services. Their online platform enables business owners to compare quotes from multiple personal concierge insurance carriers, making finding the best coverage at competitive rates easier. CoverWallet offers a range of coverage options specifically designed for personal concierge businesses, ensuring they have the protection they need.

Best for: Comparing personal concierge insurance quotes online

Average cost: $16 per month

Our rating: 10/10


The Hartford Personal Concierge Insurance

Pros

  • Specializes in small business insurance, offering tailored coverage for personal concierge services.

  • Provides flexible policy options to meet the specific needs of each business.

  • Offers additional benefits and resources, such as risk management tools and access to a network of preferred vendors.

Cons

  • May be expensive

The Hartford is a renowned insurance company with a specialization in small business insurance. They understand the needs of personal concierge businesses and provide tailored coverage options to address their unique risks. In addition to insurance coverage, The Hartford offers additional benefits and resources, such as risk management tools and access to a network of preferred vendors, to support the success of personal concierge businesses.

Best for: Small personal concierge businesses looking for customizable coverage and additional support services

Average cost:  $18 per month.

Our rating: 10/10


Tivly Personal Concierge Insurance

Pros

  • Specializes in insurance solutions for the concierge industry, offering comprehensive coverage options.

  • Provides flexible policies that can be customized to meet the unique needs of personal concierge businesses.

  • Offers competitive rates and attentive customer service.

Cons

  • You need to call to compare quotes over the phone 

Tivly is an insurance provider specializing in the concierge industry’s insurance solutions. They offer comprehensive coverage options designed specifically for personal concierge businesses, addressing the specific risks of this type of service. Tivly aims to provide personalized service and attentive customer support to ensure you have the right personal concierge insurance coverage for your needs. Call now to compare quotes over the phone. 

Best for: Comparing personal concierge insurance quotes over the phone

Average cost: $20 per month

Our rating: 10/10


Thimble Personal Concierge Insurance

Pros

  • Offers on-demand insurance coverage, allowing personal concierge businesses to obtain coverage for specific projects or timeframes

  • Provides a user-friendly mobile app for obtaining and managing insurance policies

  • Offers flexible policy options with affordable rates

Cons

  • Coverage options may be limited compared to traditional annual policies

Thimble is an innovative insurance provider that offers on-demand coverage, making it ideal for personal concierge businesses requiring flexible and short-term insurance solutions. Their mobile app allows business owners to obtain and manage insurance policies conveniently. Thimble’s mission is to provide affordable and accessible insurance options that cater to the dynamic nature of the personal concierge industry.

Best for: Personal concierge businesses requiring short-term coverage

Average cost: $22 per month

Our rating: 10/10


Hiscox Personal Concierge Insurance

Pros

  • Specializes in small business insurance, offering tailored coverage for personal concierge services

  • Provides customizable policies with flexible coverage limits

  • Offers online quotes and a straightforward application process

Cons

  • Certain situations may be subject to exclusions or limitations within the specific terms and conditions of the policy, which could impact the extent of coverage provided

Hiscox is an established insurance company that specializes in small business insurance. They offer tailored coverage options for personal concierge businesses, allowing business owners to customize their policies to meet their specific needs. Hiscox provides a straightforward online quote and application process, making it easy for personal concierge businesses to obtain the insurance coverage they require.

Best for: Personal concierge insurance with automatic renewal 

Average cost: $24 per month

Our rating: 10/10

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