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.
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-rated insurance companies.
These insurance policies cover the most common risks of interior design.
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.
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.
This policy covers 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.
Workers’ comp is required in almost every state for interior design firms that have employees. It also protects sole proprietors from work-related injury costs that health insurance might deny.
This policy helps interior designers recover from data breaches and cyberattacks. It's strongly recommended for any small business that handles sensitive information.
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.
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:
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:
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.
Hear from customers like you who purchased small business insurance.
Even the most experienced interior designer can make a mistake.
You might give a client an inaccurate estimate for how long a project will take, or make an error in a design plan that leads to bigger problems down the road. If your mistake leads to a lawsuit, then you could end up facing thousands of dollars in legal fees that could sink your business.
Professional liability insurance for interior designers helps pay for legal costs related to errors, oversights, and other instances of professional negligence. It provides crucial coverage for potential budget overruns and delays while you help your clients achieve their vision.
You might also see this policy referred to as errors and omissions insurance (E&O) or professional indemnity insurance.
General liability insurance and professional liability insurance policies aren't required by law, but they provide crucial protection for interior designers and other small business owners.
Here's why you should invest in both of these policies:
If you do any work as an architect, engineer, or general contractor, then you might need professional indemnity insurance for interior designers in order to get licensed in your state.
For a comprehensive risk management plan, interior design firms often invest in the following policies: