Remember that this is just general educational information. You need to refer to your policy for specific exclusions. No coverage is issued or afforded by this website.

Workers Compensation Insurance

If you have employees, you need workers compensation insurance. Home stagers and interior designers need to protect themselves.

If you have indepedent contractors that do not provide their owners workers comp insurance, you need to purchase it.

Home Stager Workers Compensation Insurance

Do I need workers compensatio?

In most locations, it is the law that if you have employees you must purchase workers compensation insurance.  Both home stagin professionals and interior designers can purchase this coverage with a team member Stratum Insurance Agency in any state.  

What types of claims fall under workers compensation?

If an employee is injured on the job, that could be a workers comp claim.  Workers compensation is generally no fault, meaning that it does not matter if it is the employers fault or the employees fault.

Do I need workers compensation if I used indepdent contractors or 1099s?

Yes.  If you work with an independent contractor that does not provide his or her own workers compensation insurance then you could be liability for their injuries.  Read that again.  You can be liable for injuries to your independent contractors.

Learn About Insurance

Professional Liability Insurance

This is often called E & O Insurance or errors and omissions insurance.

General Liability Insurance

This is probably the most commonly requested coverage because it is required by many vendors and businesses to work with them.  Companies often require certificates of insurance showing your general liability insurance to let you start working.

Disclaimer: Any information shown here is purely for educational purposes.  Refer to your policy for details regarding coverage and exclusions.  Your usage of this site means that you release Stratum Insurance Agency LLC from any liability as a result of your usage.

About the Agency

Stratum Insurance Agency LLC

In CA Lic 0E52066

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