Proper insurance coverage protects your business and gives customers confidence in your services
Professional service providers understand that proper insurance isn't just a requirement—it's a fundamental aspect of running a legitimate business. Insurance protects you from financial ruin if something goes wrong, and it shows customers that you take your responsibilities seriously.
At NeighborLink, we require all service providers to maintain appropriate insurance coverage. This creates a level playing field where professional providers can compete based on quality and service, not just price.
Coverage requirements vary by service type and location. Here are the most common types:
Minimum: $1,000,000
Covers property damage and bodily injury claims during service delivery
Minimum: State minimums
Required if using a vehicle for business purposes
Minimum: As required by state
Mandatory if you have employees working on jobs
Minimum: Varies by trade
Errors & omissions coverage for specialized services
Protect your business assets from lawsuits
Build trust with customers who value professionalism
Access to higher-value jobs and commercial clients
Peace of mind knowing you're fully covered
Stand out from uninsured competitors
Comply with state and local regulations
Consider the types of services you offer and potential risks:
Get quotes from multiple insurance providers. Consider working with an agent who specializes in coverage for service businesses. Compare not just price, but also coverage limits, deductibles, and exclusions.
Once you have coverage, upload your certificate of insurance during the application process. We'll verify your coverage and ensure it meets our requirements.
Yes, all service providers must maintain appropriate insurance coverage. This protects both you and your customers.
Upload your certificate of insurance during the application process. We'll verify coverage with your insurer.
We partner with insurance providers who offer affordable coverage for new businesses. Contact us for recommendations.
Some customers may require you to add them as additional insured for specific jobs. This is handled case-by-case.
Insurance requirements vary by state and service type. The information provided here is general guidance only. You are responsible for ensuring you have appropriate coverage for your specific business and location.
NeighborLink's insurance requirements are minimum standards. Some customers may require additional coverage for specific jobs.
Demonstrate your professionalism with proper insurance coverage
