Stylist insurance, made simple.

Encore is a marketplace. You are an independent professional, and you run your own styling business. Encore does not provide insurance for stylists, so if something goes wrong during a session, your own policy is what covers you.

In-person work comes with ordinary risks: a client trips over a garment bag, or a spill damages something in their home. A general liability policy is how independent professionals cover moments like these, so an accident doesn’t come out of your own pocket. That is why we recommend it, even though it is not required.

One policy usually covers it. General liability is the one we recommend; professional liability is optional, and the two typically come bundled together in a single, inexpensive plan.

• →General liability, recommended. Covers third-party accidents, think a client tripping over a garment bag or a spill that damages property. Common limits are $1M per occurrence and $2M aggregate.
• →Professional liability, optional. Also called errors and omissions; covers claims tied to the service itself, the advice you gave or the work you did. Often bundled with general liability at little extra cost.

Read your own policy to see exactly what it covers and its limits.

You have a few good routes. Encore can’t recommend a specific provider, but these are common starting points:

Many of these issue coverage same-day and are designed for sole proprietors, so you can be insured quickly.

Encore doesn’t need a copy of your policy or a certificate. If a client, a building, or an event venue ever asks for proof of coverage, your insurer can issue a Certificate of Insurance, usually called a COI: a one-page summary of your policy. Make sure it shows:

• →Your name or your business name as the insured.
• →Your coverage and limits.
• →The effective and expiration dates, so it’s clear the policy is current.

Here’s a request you can send your insurer as-is: