What it covers
General liability (GL) responds when your staging work causes bodily injury to a third party or property damage to someone else's property. Typical examples:
- A potential buyer trips over a rug you placed during a showing and is injured.
- Your team scratches a hardwood floor while moving in a sofa.
- A mirror falls off a wall after installation and damages a homeowner's table.
- Advertising injury — for example, accidentally using a copyrighted photo on your website.
Typical limits
Most stagers carry $1,000,000 per occurrence / $2,000,000 aggregate. Many real-estate and builder contracts require exactly these limits, so this is a sensible default unless your contracts say otherwise.
What it does NOT cover
- Damage to your own inventory (furniture, decor) — you'd want inland marine / property.
- Mistakes in your professional staging advice — that's professional liability / E&O.
- Injuries to your own employees — that's workers comp.
Need to add an additional insured for a contract?
No problem — we issue certificates same day.