Personal and Home Services

Click on a personal and home services category below to see detailed descriptions of pre-qualified businesses.

Barber*
Services include barber (shampooing/conditioning, hair cutting, and hair/beard shaving or trimming) and men’s hair styling. Hair dyeing and permanent wave services should be classified under Beauticians. The following services are not eligible: the removal of hair by electrolysis, hair implanting or hair transplanting; or the use of any dye or coloring to eyelashes or eyebrows except mascara or eyebrow pencils.

Note: Professional Services Liability is included.

Beautician*
Services may include hair shampooing/conditioning, hair cutting, hair dying, hair shaving/trimming and hair styling. In addition to providing “hair” services, manicures and/or other cosmetic treatments are acceptable, but only if their main operation is “servicing” hair. The following services are not eligible: body massage (other than face, scalp or hand), hair straightening (other than by cold process), tanning, microdermabrasion, acid peels, hair replacement (hair implanting or hair transplanting), hair removal (by electrolysis, thermolysis, or any process using radio waves), ear candling, tattooing or permanent make-up applications (including the use of any dye or coloring to eyelashes or eyebrows except mascara or eyebrow pencils), ear piercing, body piercing, hydrotherapy and saunas, and body waxing (other than facial).

Note: Professional Services Liability is included.

Personal Fitness Trainer*
Consists of individuals who specialize in fitness program counseling and, in some cases, nutritional counseling. The trainer will develop an exercise routine based upon the individual client’s needs to make it possible for the client to achieve weight loss, increase cardiovascular endurance, modify body composition, increase strength and/or flexibility or all of the above. The exercise routine may consist of aerobic workouts, weight lifting, stretching, yoga, swimming, walking, running, golfing, etc. Instruction is provided to the client so that the exercises are performed properly to avoid physical injury. Trainers who sell medicinal products, wellness products, weight loss products, magnetic items, Shaklee, Herbalife, Nikken and similar related distributors are not eligible under this class.

Note: Abuse Molestation Exclusion will be attached to all policies written for this class.

Note: This class of business is not available in New Jersey.

Personal Image Consultant*
Personal image consultants offer services to improve their client’s image to enhance lifestyle or career options. The consultant offers advice regarding style and clothing choices. While not performing beauty or cosmetology services they will conduct a color analysis of hair, skin tone, and eye color to recommend appropriate clothing and beauty choices. Frequently consultants will accompany their clients on shopping trips.

Note: Personal and Advertising Injury Exclusion will be attached to all policies written for this class.

Pet Sitter*
Pet sitting at the customer’s home. Eligible services while pet sitting include: pet walking; poop scooping services associated with sitting or walking; and transportation of animals as included in the pet sitting service. Sitters will feed, exercise and otherwise care for animals belonging to others. They may take the animals to scheduled veterinary appointments. Sitting durations may be days, weeks or longer comprised of short frequent visits to or overnight stays in the customer’s residence. This class is limited to animals held as “PETS”. Animals held as farm or breeding stock (i.e. dog breeders, livestock farms) are not eligible. Ineligible services include house sitting independent of pet sitting; pet grooming; pet boarding; “doggie day care”; and poop scooping businesses independent of pet sitting. Pet sitting from the insured’s residence is not eligible — this includes boarding/kenneling pets at the insured’s residence.

Note: Pet Sitting/Plant Care Services Limitation Endorsement will be attached to all policies written for this class.

Plant Care and Sales*
Maintenance and watering of plants in homes and businesses. Includes the growing and/or selling of potted plants. Exterior work other than watering is not eligible under this class. Note that the class name is Plant Care to differentiate this from Industrial Plant Maintenance.

Note: Pet Sitters and Plant Care Services Endorsement will be attached to all policies written for this class.

Professional Organizer*
Professional organizers help to organize everything from paper flow to patient flow, from desktops to filing cabinets, from bookshelves to closets to computer files.

• Space planning involves setting up and laying out a home or office so people can get the maximum and most efficient use of the space they have, taking into consideration such things as lighting, traffic patterns, noise and comfort needs;
• Time management involves assisting clients to set goals, develop action steps, define priorities, and schedule and delegate tasks and activities;
• Paper management involves helping people know how to respond and what to do with incoming material and setting up filing and retrieval systems so people can find things when they need them;
• Clutter control involves restoring a sense of order and preventing the further accumulation of clutter;
• Closet/storage design involves designing and organizing closet and storage space.

Health care consultants; management consultants, moving services, courier services, event planners, booking agents, travel agents, cleaning services, and personal services that including running errands and shopping are not eligible under this class.

Resume Service*
Resume writers work with their clients to develop and write their resumes and then organize the information into an attractive, professional looking document. The resume writer begins by interviewing a client about their background, skills, accomplishments, strengths, and weaknesses and how and to whom they want to present themselves. The writer then organizes the information into a concise and attractive format that highlights the client’s most noteworthy accomplishments and skills. The resume writer may also provide additional assistance by writing a cover letter, designing letterhead so every accompanying document appears to be a matched set. Some may even mass mail resume materials to prospective employers. Recruiters are not eligible under this class.

Wedding and Party Planner*
Wedding/party planners may also be referred to as consultants or coordinators. They work with a client to determine exactly what is desired and to establish a budget. The planner will coordinate everything from finding a facility, negotiating contracts, to overseeing florists, photographers, videographers, caterers, travel agents, musicians, and disk jockeys. The planner may not rent or coordinate use of his or her own business personal property, do catering themselves, do ministry work (including performing marriages), etc. Special event functions, corporate party planners, equipment rental, and catering services are not eligible under this class.

*NOTE – IN STATES WHERE APPROVED: Communicable Disease Exclusion will be attached to all policies written for this class.