Other Service Insurance
(Getting the right protection has never been easier)
Written by
Jessica Huneck is an insurance writer from TrustedChoice.com. She began her writing career in 2011 and has since earned herself a bachelor's degree in English writing.
The Other Services Industry Sector is comprised of business establishments that provide services, but do not fit into any of the other established industry sectors. This can include everything from car washes to dry cleaners. Even private households can fall within this sector if they employ workers such as gardeners, maids or nannies.
There are currently 1,871,751 established U.S. businesses that are classified as other services, making it one of the largest of the American industry sectors. Regardless of what service your establishment performs, it is important that you protect your investment with a suitable business insurance policy.
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Business Types in the Other Services Industry Sector
The National American Industry Classification System (NAICS) categorizes all businesses in the United States into various industry sectors and subsectors. This classification system facilitates the collection, analysis and reporting of financial data as it pertains to the various business industries.
Certain service-oriented businesses do not fall into any of the major industry classifications, and instead are grouped under the Other Services categorization. These businesses include the following:
- Repair and Maintenance, including:
- General Automotive Repair
- Automotive Exhaust System Repair
- Automotive Transmission Repair
- Automotive Body, Paint and Interior Repair Maintenance
- Automotive Glass Replacement Shops
- Automotive Oil Change and Lubrication Shops
- Car Washes
- All Other Automotive Repair and Maintenance
- Consumer Electronics Repair and Maintenance
- Computer and Office Machine Repair and Maintenance
- Communication Equipment Repair and Maintenance
- Commercial and Industrial Machinery and Equipment Repair and Maintenance
- Home and Garden Equipment Repair and Maintenance
- Appliance Repair and Maintenance
- Reupholstery and Furniture Repair
- Footwear and Leather Goods Repair
- Other Personal and Household Goods Repair and Maintenance
- Personal and Laundry Services, including:
- Barber Shops
- Beauty Shops
- Nail Salons
- Diet and Weight-Reducing Centers
- Other Personal Care Services
- Funeral Homes and Funeral Services
- Cemeteries and Crematories
- Coin-Operated Laundries and Dry Cleaners
- Dry Cleaning and Laundry Services
- Linen Supply
- Industrial Launderers
- Pet Care (except Veterinary) Services
- Photofinishing Laboratories
- Parking Lots and Garages
- Religious, Grantmaking, Civic, Professional and Similar Organizations, including:
- Religious Organizations
- Grantmaking Foundations
- Voluntary Heath Organizations
- Other Grantmaking and Giving Services
- Human Rights Organizations
- Environment, Conservation and Wildlife Organizations
- Other Social Advocacy Organizations
- Civic and Social Organizations
- Business Associations
- Professional Associations
- Labor Unions and Similar Labor Organizations
- Political Organizations
- Private Households
Coverage Options for Businesses in the Other Services Industry
Commercial insurance policies are designed to be customizable to a wide range of business types. For the most part, coverage falls under three major categories: liability, property and income.
- Liability insurance: All businesses, regardless of their scope or service, can benefit from having solid liability insurance coverage. There are a number of different types of liability insurance, so it is important that you consider all that are pertinent to your particular business. Some examples include:
- General liability insurance
- Professional liability insurance
- Commercial auto liability insurance
- Umbrella insurance
- Property insurance: If your business includes any property, from computer systems to office furnishings, it is important that you cover it against losses caused by potential natural or man-made disasters. Depending on the scope of your business, you may need to supplement your coverage with endorsement plans designed specifically for:
- Equipment and machinery
- Outdoor signage
- Glass windows and display cases
- Computer systems and technology
- Continuation of Income insurance: If your business is forced to temporarily cease operations because of complications caused by a covered event, this coverage is designed to provide a continuation of income. This may enable your business to pay its monthly expenses and employee salaries until repairs are complete and business can resume as usual.
There are a number of different coverage options available within these three categories. It is important that you speak with a knowledgeable professional when you are shopping for commercial insurance so that you can be sure that you are properly covered against all potential hazards.
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Get Help Building a Suitable Commercial Insurance Policy for Any Business
Commercial insurance plans are, by nature, complex. It can therefore be difficult and time-consuming to navigate through the many coverage options that are available to you.
Rather than approaching the purchasing process alone, you can save time, money and aggravation by working with an independent insurance agent in our network.
Because they are not captive to just one insurance provider, these agents can help you build a policy that is right for your business and can comparison-shop to find you a selection of suitable and competitively-priced policies.
Contact an independent agent near you to learn more, and you can start reviewing policies specifically tailored to the other services industry in no time.