Commercial industry
Personal Services Business Insurance
Personal services is the group of shops and mobile operators who work on people or on property they take into their care: barbers, salons, laundry, locksmiths, funeral homes, and similar trades. The common thread is professional or bailee exposure sitting beside a small commercial package.
Use this hub to orient, then open the class page that matches what you actually do. We will not leave you on a generic “services” policy if a salon professional or a bailee form is the claim you will have.
Risks we actually schedule
- Professional-services claims that a plain GL form excludes.
- Property of others in your care — garments, keys, vehicles, remains.
- Chemicals and equipment a storekeepers policy never scheduled.
- Mobile operations that leave the described premises every morning.
Frequently asked questions
I do not see my exact service listed. Can you still help?
Usually, if it is a commercial service class we have a market for. Describe the work. We will not invent a class, and we will not write personal lines.
Is a home-based service business eligible?
Often, with a home-based endorsement and a honest description of client traffic and mobile work. The house itself is still personal lines, which we do not write.
Do mobile operators need commercial auto?
If the vehicle is used primarily for the business or titled to the LLC, yes.
Related coverage, industries, and locations
Business Owner's Policy
A packaged policy that pairs general liability with commercial property and business income for eligible classes.
Coverage detailsProfessional Liability
Errors-and-omissions coverage when advice, design, or a professional service is alleged to have caused a financial loss.
Coverage detailsGeneral Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsBeauty Salon
Styling, color, skin, and booth-renter certificates — salon professional liability plus a real package on the suite.
Industry pageBarber Shop
Chair professional liability, premises, and a simple package for barbershops that are not salons.
Industry pageLocksmith
Mobile GL, a service bond, and the key-and-access story a handyman policy will not bond.
Industry pageFuneral Home
Premises, professional, autos, and the care of remains and families — written as a funeral home, not a chapel rental.
Industry pageNevada
Licensed commercial insurance broker serving Nevada.
State page