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Why do interior designers need insurance?
Interior designers work hard to create functional yet appealing home and work spaces. However, you could face a lawsuit if you don’t deliver promised results, or if there's an unforeseen delay. Interior design insurance can cover legal costs and other financial losses from injuries, theft, and accidents.
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With Insureon, interior design professionals can get insurance coverage the same day they apply for quotes.
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What types of business insurance do interior designers need?
These insurance policies cover the most common risks of interior design.
General liability insurance
This insurance covers basic third-party risks of interior design, such as accidental damage to a client’s home. It's often required for a commercial lease.
BEST FOR
- Client bodily injuries
- Damage to a client’s property
- Libel, slander, and copyright lawsuits
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for interior design businesses to buy commercial general liability coverage and commercial property insurance together.
BEST FOR
- Client injuries and property damage
- Business property damage and theft
- Business interruption coverage
Professional liability insurance
Professional liability coverage can pay for legal defense costs related to an interior designer's work performance, such as a budget overrun that leads to a lawsuit. It's also called errors and omissions (E&O) insurance.
BEST FOR
- Failure to produce promised results
- Accusations of negligence
- Oversights and mistakes
Workers’ compensation insurance
Workers’ comp is required in almost every state for interior design firms that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Cyber insurance
This policy helps interior designers recover from data breaches and cyberattacks. It's strongly recommended for any small business that handles sensitive information.
BEST FOR
- Client notification expenses
- Fraud monitoring services
- Data breach investigations
Commercial auto insurance
This policy helps cover the cost of property damage and injuries in an accident involving your business vehicle. Each state has its own requirements for auto liability insurance.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Looking for different coverage? See more policies.
How much does interior designer insurance cost?
An interior designer who works independently will pay less for insurance than a small business with several designers.
Factors that affect interior designer insurance premiums include:
- Interior design services offered
- Business property and equipment
- Location
- Business income
- Number of employees
- Types of insurance purchased
- Policy limits and deductibles
How do I get interior design insurance?
It's easy to get interior designer insurance if you have your business information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your interior design studio, whether you work independently or hire employees.
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