Business Insurance for Interior Designers

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Interior Design

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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.

Interior designer helping a client choose a color scheme.

Get same-day insurance

With Insureon, interior design professionals can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top providers.

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 liability 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?

Building design professional doing calculations.

An interior designer who works independently will pay less for insurance than a small business with several designers.

Factors that affect premiums include:

Interior design services offered
Business property and equipment
Business income
Types of insurance purchased
Policy limits and deductibles

View Costs

How do I get interior design insurance?

It's easy to get interior designer insurance or interior decorator 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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