Personal & Home Services

The personal and home service providers we work with fulfill a wide variety of different needs, and have turned their passion into a profit. Plus, our customers have the foresight to plan ahead and safeguard their home business against financial disaster.

Our policies address the unique needs of personal and home service entrepreneurs, including:

Barber

We classify barbers as being professionals who perform shampooing, conditioning, hair cutting, beard shaving or trimming, and overall men’s styling. If you conduct dyeing or permanent wave application, you are better suited for the Beautician listing below. The barber classification does not cover electrolysis; hair implanting or transplanting; or the use of any dye or coloring to eyelashes or eyebrows (except mascara or eyebrow pencils).

Note: Professional Services Liability is included. Communicable Disease Exclusion* will be attached in states where approved.

Beautician

Coverage offered includes liability coverage for businesses involved in hair care and styling, including dyeing, cutting, trimming, shampooing, and conditioning. Other cosmetic treatments like manicures can be made available but, in order to be considered for this class, the operation’s primary focus must be on “servicing” hair.

The following services are not eligible: body massage (other than face, scalp or hand); hair straightening (other than by cold process); tanning; microdermabrasion or acid peels; hair replacement, implanting or transplanting; hair removal (by electrolysis, thermolysis, or any process using radio waves); ear candling; tattooing or permanent make-up applications (including the use of any dye or coloring to eyelashes or eyebrows, except mascara or eyebrow pencils); ear or body piercings; hydrotherapy and saunas; and body waxing (other than facial).

Note: Professional Services Liability is included. Communicable Disease Exclusion* will be attached in states where approved.

Personal Fitness Trainer

We classify personal fitness trainers as those who provide services meant to enhance clients’ physical well-being. Examples of these services include fitness assessments and workout regiments, which may range from weight training to swimming and yoga. As an expert, your business will instruct and consult to help the client avoid physical injury. We do not extend coverage to trainers who sell medicinal products, wellness products, weight loss products, and magnetic items, as well as goods from Shaklee, Herbalife, Nikken and similar related distributors.

Note: Abuse Molestation Exclusion and Communicable Disease Exclusion* will be attached in states where approved.

Personal Image Consultants

Our services protect personal image consultants who offer services that improve their client’s image, enhancing their lifestyle or career options. Business operations covered under this class include style assessments and consultations (including accompanying client while shopping off-premises).

We suggest you consider adding Identity Fraud Expense Coverage to your policy which works to help with costs associated in rebuilding the insured's reputation following the event of identity theft.

Note: Personal and Advertising Injury Exclusion and Communicable Disease Exclusion* will be attached in states where approved.

Pet Sitter

There’s no denying that people love their pets and that many owners would do almost anything for their animals. This means that pet sitting or walking can be quite lucrative, but also can open up entrepreneurs to liability. RLI can assist you in obtaining coverage that financially protects against lawsuits, as well as the monetary losses that can accompany damaged goods.

This class is limited to animals considered as “pets”. Animals held as farm or breeding stock (i.e. dog breeders, livestock farms) are not eligible. Ineligible services include house sitting independent of pet sitting; pet grooming; and pet boarding; “doggie day care”. Pet sitting from the insured’s residence is not eligible — this includes boarding/kennelling pets at the insured’s residence.

Pet sitters may be interested in Identity Fraud Expense Coverage which works to help with costs associated in rebuilding the insured’s reputation following the event of identity theft.

Note: Pet Sitting/Plant Care Services Limitation Endorsement and Communicable Disease Exclusion* will be attached in states where approved.

Plant Care and Sales

We comprise this classification of professionals who maintain and water plants in homes and businesses. Additionally, individuals can grow or sell potted plants for enclosed spaces. However, business owners that care or cultivate outdoor plants (outside of simple watering) are not eligible under this class.

Note: Pet Sitting/Plant Care Services Limitation Endorsement and Communicable Disease Exclusion* will be attached in states where approved.

Professional Organizer

Professional organizers help to systematize everything from paper flow to patient flow; from desktops to bookshelves and closets to computer files. Various tasks covered under our class policy include space planning, time or paper management, clutter control, and closet/storage design.

The following are not eligible under this listing: Health care consultants, management consultants, moving services, courier services, event planners, travel agents, cleaning services, and personal services that including running errands and shopping.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Resume Service

We orchestrate insurance on behalf of resume service professionals who provide consultation, editing, and ideation to help their clients become more attractive to prospective employers. This type role is considered separate from recruiters, who are not eligible for this specific policy.

You might be interested in some of our other services, such as Identity Fraud Expense Coverage which works to help with costs associated in rebuilding the insured's reputation following the event of identify theft.

Note: Communicable Disease Exclusion* will be attached in states where approved.

Wedding & Party Planner

RLI offers this specific policy to wedding and party planners, consultants, or coordinators. Planners may be responsible for everything from finding the facility to negotiating contacts and hiring talent, but qualifying business operators may not rent or coordinate use of his or her own business personal property, do catering themselves, or do ministry work. Similarly, special event functions, corporate party planners, equipment rental, and catering services are not eligible under this class.

Note: Communicable Disease Exclusion* will be attached in states where approved.