Kinro

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Business insurance for personal services.

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What you’ll get

  • 1

    Coverage guidance

    We identify the coverage that commonly fits your work and state.

  • 2

    Available carrier options

    Compare price, limits, exclusions, and carrier fit with an independent agency.

  • 3

    An agent replies in ~2 min

    A licensed Kinro agent texts or emails to help with next steps.

What insurance can help protect

One-to-one appointments

Clients rely on your services and may spend time at your studio, office, or home workspace.

Mobile services

Working at customer locations can expose you to third-party property and travel risks.

Products and equipment

Specialized tools, supplies, and products may create property or product exposure.

Coverage to consider

General Liability

Can address client injury and third-party property-damage claims.

Professional Liability

May address covered claims alleging mistakes or harm from a professional service.

BOP

Can combine liability with eligible workspace and business property coverage.

Workers Compensation

May cover employee injuries during appointments and daily operations.

Ready to see your options?It’s almost too easy.

Answers in minutes, not days of phone tag, before and after you buy. Independent support from Kinro & our licensed agents who shop the market for you, every renewal.

  • 1

    Enter your ZIP

    We use it to check state rules and carrier availability.

  • 2

    Hear from Kinro

    A licensed agent texts or emails you within 2 minutes.

  • 3

    Review your options

    Compare relevant coverage, carrier options, and price.

personal services questions?We have answers.

What insurance should personal services businesses consider?
General Liability is often a starting point, with Professional Liability, BOP, Workers Compensation considered based on services, property, employees, contracts, and state rules. Coverage and eligibility vary by carrier.
What risks should personal services plan for?
one-to-one appointments, mobile services, products and equipment are important insurance discussions for this operation. Clients rely on your services and may spend time at your studio, office, or home workspace. Working at customer locations can expose you to third-party property and travel risks. Specialized tools, supplies, and products may create property or product exposure. Whether a policy responds depends on its terms, conditions, and exclusions.
What details affect insurance options for personal services?
Carriers commonly ask about the operation in detail. What services do you provide and where do appointments take place? Do you use products, tools, or specialized equipment on clients? Do you have employees, contractors, or a leased location? The answers can affect eligibility, available limits, coverage terms, and price.
Can Kinro review insurance for personal services?
Yes. Share the current policy, quote, contract, or certificate request. Kinro can help compare General Liability, Professional Liability, BOP, Workers Compensation, requested limits, important exclusions, and follow-up questions for the operation.
Is there any obligation to buy?
No. Starting a request does not require you to purchase a policy.

What insurance should personal services businesses consider?

personal services businesses commonly review General Liability, Professional Liability, BOP, Workers Compensation. The right combination depends on the work performed, customers, employees, property, equipment, contracts, and state requirements.

  • What services do you provide and where do appointments take place?
  • Do you use products, tools, or specialized equipment on clients?
  • Do you have employees, contractors, or a leased location?

Related business insurance guides

Compare guidance for businesses with related work, equipment, customers, or contract requirements.