What's the right insurance for an organizing/ consulting business?

Question

My sister wants to be a personal organizer, hire herself out as a consultant to individuals. What kind of insurance does she need?

Thanks!

Answer 1

Along with the liability coverage, she should look into errors and omissions coverage. I'm not sure of what type of 'organizing' she will be doing, but if she fails to provide proper professional advise, she could have exposure there.

Answer 2

She needs General Liability insurance which covers accidental bodily injury and/or property damage.

Professional liability? Maybe, but I would not buy it unless it was very cheap because in my opinion the exposure to loss from an error or omission would be minuscule.

If there is an association of personal organizers she may be able to buy both coverages in one policy from the association.