Image Consultant Insurance Coverage Checklist
The coverages an image consultant business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for image consultants and personal stylists. Priorities reflect typical exposure for this class; confirm against your actual services, contracts, and clients.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability / E&O | Covers claims that styling or branding advice caused harm. | Core | |
| General Liability | Covers injury during home visits and from applied products. | Core | |
| Third-Party Crime / Client Fidelity Bond | Covers staff theft or fraud against clients. | Core | |
| Bailee / Inland Marine | Covers client garments and jewelry in your possession. | Prevalent | |
| Hired & Non-Owned Auto | Covers driving to homes and stores. | Prevalent | |
| Cyber / Privacy Liability | Covers client card data, measurements, and photos. | Prevalent | |
| Business Personal Property | Covers color kits, racks, and photo equipment. | Prevalent | |
| Beauty Professional Liability | Covers reactions and infections from makeup. | Situational | |
| Media / Personal Injury | Covers use of client images online. | Situational | |
| Workers' Compensation | Covers assistants working on site. | Situational |
The coverage gap most often missed
The gap most often missed by image consultants is client property and funds. GL excludes property in your care, custody, or control, and E&O usually excludes dishonest acts, so garments lost on the way to a tailor or purchases misused by staff fall through both. A third-party crime bond plus bailee coverage closes it.
Send us the checklist and we'll review your image consultant coverage line by line, then market it across multiple carriers that compete for your account.
Related: Image Consultant Insurance · Image Consultant Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an image consultant business need?
The core coverages for an image consultant business are Professional Liability / E&O, General Liability, Third-Party Crime / Client Fidelity Bond. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my image consultant coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.