Looking for Fashion Stylist / Styling Services Insurance?
Protect your styling business from wardrobe damage, client injuries, professional disputes, and liability exposure. Harper provides insurance for personal stylists, wardrobe consultants, and image professionals, with fast certificates for clients, retailers, and productions.
What is Fashion Stylist / Styling Services Insurance?
Fashion styling insurance protects stylists from risks such as damage to client or borrowed wardrobe items, injuries during fittings or shoots, and professional liability claims tied to advice or service disputes. Coverage commonly includes bailee’s coverage, professional liability, and general liability. Retailers, production companies, and clients may require proof of insurance before engagement.
Wardrobe Protection (Bailee’s Coverage)
Covers client clothing or borrowed items while in your possession during fittings, styling sessions, shoots, or transport.
Professional Liability
Protects against claims alleging negligent styling advice, professional errors, or measurable client financial losses tied to services.
General Liability
Covers third-party injuries or property damage during fittings, client consultations, or on-location styling work.
Certificates
Fast proof of insurance for clients, retailers, production partners, and contract requirements.
Who Needs Fashion Stylist / Styling Services Insurance?
- Personal stylists : Businesses requiring specialized insurance coverage
- Wardrobe consultants : Businesses requiring specialized insurance coverage
- Editorial and production stylists : Businesses requiring specialized insurance coverage
- Image and brand consultants : Businesses requiring specialized insurance coverage
Why Harper?
Fashion & Styling Expertise
Stylists often handle high-value wardrobe items, work on-location, and coordinate with production teams and retailers. Harper understands the exposure tied to borrowed goods, client expectations, and shoot environments, and places coverage designed for styling professionals.
Fast Proof for Retailers & Productions
Retailers and production companies often require insurance documentation before allowing merchandise pulls or confirming on-set work. Harper delivers certificates quickly to support project timelines.
Clear, Practical Guidance
We explain bailee’s coverage, liability protection, and professional liability in clear terms so you understand what protects borrowed items and what protects your business.
Coverage Matched to Your Services
Whether you do personal styling, editorial shoots, celebrity styling, or image consulting, Harper aligns coverage with your workflow and wardrobe exposure.
Frequently Asked Questions
What insurance do fashion stylists need?
Most stylists need bailee’s coverage for client or borrowed items, general liability for injuries during fittings or shoots, and professional liability for service disputes or advice-related claims.
Is fashion styling insurance required?
Often, yes. Production companies and retailers frequently require proof of insurance before allowing stylists to borrow or handle merchandise.
How much does fashion styling insurance cost?
Many personal stylists pay $500–$1,500 annually. Editorial or production stylists handling higher-value items may range from $1,500 to $4,000+ depending on wardrobe exposure.
Does insurance cover damaged clothing or merchandise?
Bailee’s coverage may protect items damaged while in your care during fittings, shoots, or transport, subject to policy terms and exclusions.
Does insurance cover styling mistakes?
Professional liability may apply when a claim alleges negligent advice or service errors that caused measurable financial loss, depending on policy terms.
Can I add production companies as additional insureds?
Yes. Editorial and production contracts often require being added as additional insureds. Harper assists with certificates and endorsements.