Professional Liability / E&O

Why home stagers need it

General liability handles physical accidents. Professional liability (also called Errors & Omissions, or E&O) handles the financial side of things — situations where a client argues that your professional advice or work product caused them a loss.

Real-world examples

• A seller claims your staging choices made the home sit on the market longer and seeks reimbursement for carrying costs.
• A builder argues that the staging you designed missed a contractual deadline, delaying a model-home opening.
• A homeowner alleges your color or layout recommendations damaged the perceived value of the property.

Even when the claim has no merit, defense costs alone can be tens of thousands of dollars. E&O pays for that defense.

Common limits

$250,000 to $1,000,000 per claim is typical for solo stagers and small studios. Larger firms with high-profile builder contracts often carry $1M / $2M.