Personal Services Insurance
Commercial General Liability built and priced for over 500 professions in a digital experience you'll love.
Why do personal service pros need insurance?
You work with people, on their bodies, in their homes, at their events. Commercial General Liability is the policy that protects when the work goes wrong - a client trips during a class, a spill stains a brand new rug.
It can pay the claim and the legal defence, which is why almost every studio, venue, and enterprise client wants your certificate on file before they book you.
What does personal services insurance cover?
01 / 04What makes Foxquilt's personal services insurance different?
Insurance for 500+ professions
From yoga instructors to dog groomers, DJs to nutritionists, your specific line of work is priced fairly.
Completely digital, start to finish
Quote and buy from your phone, your studio, or your kitchen table - on your own, or with our team.
Instant policy documents
Policy docs and your COI arrive by email the moment you buy. Proof of insurance when your client asks, no sweat.
Foxquilt's personal services insurance is built for…
Don't see your profession? We write Commercial General Liability for over 500 professions.
Answers in, certificate out.
A few questions, no paperwork.
Concise but thorough, we ask what we need to ensure your policy is actually designed to protect what you do. No confusing forms, no waiting on someone to get to it Monday.
A real price you can buy on the spot.
Your quote is priced instantly with the limits your studios, venues, and clients ask for. Choose a payment plan that works for you and pay online to put the coverage in force.
Policy docs, straight to your inbox.
Your policy documents and Certificate of Insurance are emailed the moment you buy, so your client has proof of coverage before the day is out.
What other coverages do personal service pros need?
Errors & Omissions
For the advice, coaching, and expertise side of your work: claims of financial loss caused by the guidance or service you provided.
See E&O Coverage →Can cover medical care and lost wages when one of your own employees is hurt on the job. Required in most states the moment you hire your first employee.
Learn More→Can cover the vehicles you drive to a client's home, a venue, or a shoot. Your personal auto policy very likely excludes business use.
Learn More→Can cover a breach of your customer data, a ransomware lock-out, or a wire transfer sent to a fraudster.
Learn More→Can cover your own gear like equipment or supplies. CGL only pays for other people's property, so this is the other half of the pair.
Learn More→It depends on your profession, your revenue, and where you work. The quote you see online is the real price, not an estimate we revise later.
Depending on where your business is located and the work that you do, coverage limits available to you range from $1,000,000 to $5,000,000.
Your first COI is emailed the moment your payment clears. After that you can issue a new one yourself - including naming an additional insured - in about a minute, as many times as you need, at no charge.
Yes, and we don't charge for it. Add them during the application or any time after, then download the certificate showing them named.
Usually, yes. A homeowner's policy won't respond to a business claim, and solo practitioners face the same third-party injury and damage claims a large studio does. Most studios, venues, and enterprise clients require it in writing before you begin work.
Yes. Pay the annual premium up front, or spread it across monthly instalments at checkout. Either way coverage starts as soon as the first payment is confirmed.
What real small business owners say after choosing Foxquilt.
The process was smooth and simple. In addition to that, they offered the best coverage out of all of the other companies I researched.
I've been a client at Foxquilt for the past year, having switched my business insurance over because of their affordable rates and seamless service. I recently had to file a claim and couldn't be more pleased with the care and service that Nick offered in the process. Thanks to him, things got resolved quickly and easily. Happy to have landed at Foxquilt.
Foxquilt gets me the insurance on time to get the job!
Get your personal services quote in under ten minutes.
Answer a few questions about your work and get your policy docs straight to your inbox today.