Business Insurance for Interior Designers

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Interior Design

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Save money by comparing insurance quotes for interior designers

Interior designers risk racking up big legal fees if a client has a problem with a renovation and decides to sue. Interior design business insurance protects you from legal defense fees and other costs.

Interior designer helping a client choose a color scheme.

Multiple quotes with one application

Insureon helps interior designers compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do interior designers need?

These policies cover the most common risks in interior design.

General liability insurance

This policy covers basic risks of interior design, including customer property damage and injuries. Bundle with property insurance for savings in a business owner’s policy.

BEST FOR

Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for interior decorators to buy general liability insurance and commercial property insurance together.

BEST FOR

Customer injuries
Damaged customer property
Damaged business property

Professional liability insurance

This interior design liability insurance policy is also called errors and omissions insurance (E&O). It protects against clients who sue over your work performance or design results.

BEST FOR

Dissatisfied clients
Accusations of negligence
Oversights and mistakes

Workers’ compensation insurance

Workers’ comp is required in almost every state for interior design businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

Looking for different coverage? See more policies.

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 the results don't meet a client's expectations. Interior design insurance can cover legal fees, along with costs related to injuries and other risks.

How much does insurance for interior designers cost?

Building design professional doing calculations.

Several factors will have an impact on insurance costs, including:

Interior design services offered
Business materials and property
Revenue
Location
Number of employees

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