The key to finding the right type of insurance is knowing the NAICS (North American Industry Classification System) code. The code for concierge services is 812990. If you do other services, like transportation or pet sitting, those services will also have a unique code.
Here’s a link to the NAICS site so that you can see the code and the types of businesses within that code: https://www.naics.com/search/. Another suggested code is 41677 for Consultants.
We suggest that you call as many local independent insurance brokers as you can. Get a few of them working on your behalf and I’m sure one of them will be able to help. We suggest that you tell him/her that they should put you into the “consulting” category or the “janitorial/cleaning house” category. Each employee should be bonded as well (called an Employee Dishonesty Bond). A reasonable cost would be between $500 and $800 per year, although we have seen higher.
ICLMNet has a list of insurance companies who work with concierge. To obtain the list, just click here to join us and gain access to our members library! The list is also available with Katharine's online class - The Concierge Entrepreneur Certificate Course
Lastly, you could do a search on the words “concierge insurance”, but please be careful as tons of random companies will pop up. Remember to check these companies out thoroughly before you hire them.
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