Insurance for Errand & Concierge Services

What underwriters look at

Errand and concierge businesses are built around a level of trust that most service businesses don't require — clients hand over house keys, garage codes, spare vehicle keys, and sometimes payment cards or cash to complete tasks on their behalf. That access is the whole value proposition of the business, but it also means a lost key, an unauthorized entry allegation, or a dispute over how client funds were spent can turn into a real liability claim even when the work itself was done correctly.

Purchases made on a client's behalf add another layer of exposure. Whether an employee is buying groceries with the client's card, picking up a prescription, or running a errand that involves handling client funds directly, mistakes or disputes over amounts spent, items purchased, or receipts provided can escalate quickly, especially with elderly or vulnerable clients who may later dispute a charge they don't recall authorizing. Damage to client property is a related risk — a staff member driving a client's car to pick up a repair part, or moving items inside a client's home, can cause damage that becomes the business's responsibility to resolve.

Staffing structure is worth getting right from an insurance standpoint as much as a legal one. Many errand and concierge businesses rely heavily on part-time or gig-style workers, and how those workers are classified — employee versus independent contractor — affects which policies respond if a worker is injured on the job or causes an accident while running a client errand. A business that treats its staff as contractors without properly structuring that relationship can find itself with unexpected workers' compensation exposure if a claim challenges that classification.