Welcoming Service Insurance Coverage Checklist
The coverages a welcoming service 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 new-resident welcoming services. 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 |
|---|---|---|---|
| General Liability | Covers injury and property damage during home visits. | Core | |
| Hired & Non-Owned Auto | Covers representatives driving their own cars. | Core | |
| Cyber / Privacy Liability | Covers resident address and contact databases. | Core | |
| Abuse & Molestation | Covers solo in-home visits with families. | Prevalent | |
| Media / Advertising Injury E&O | Covers sponsor ads and coupon books. | Prevalent | |
| Crime / Employee Dishonesty | Covers theft by representatives inside residences. | Prevalent | |
| Workers' Compensation | Covers employee representatives. | Prevalent | |
| Regulatory Defense | Covers data broker inquiries if you sell lists. | Situational | |
| TCPA Sublimit | Covers calling or texting new residents. | Situational | |
| Products Liability | Covers food gift items. | Situational |
The coverage gap most often missed
The gap most often missed by welcoming services is the representative's personal vehicle. Personal auto policies may exclude business use, and the firm often has no hired and non-owned auto coverage behind it. For firms that sell lists, Delete Act penalties are often excluded from cyber policies as fines.
Send us the checklist and we'll review your welcoming service coverage line by line, then market it across multiple carriers that compete for your account.
Related: Welcoming Service Insurance · Welcoming Service Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a welcoming service business need?
The core coverages for a welcoming service business are General Liability, Hired & Non-Owned Auto, Cyber / Privacy Liability. 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 welcoming service 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.