Because you make purchases for your clients and handle their valuables, interior decorators take on a fair amount of risk. Business insurance can help you replace a dropped item, or pay for legal defense costs if a client sues.
With Insureon, interior decorators can get insurance coverage the same day they apply for quotes.
Fill out our easy online application to compare quotes from top-rated providers.
These insurance policies cover the most common risks of interior decorating.
A BOP bundles commercial property insurance with a general liability policy. It's a cost-effective way for interior decorators to buy small business insurance.
Commercial general liability insurance protects against financial loss from third-party accidents, such as slip-and-fall accidents and dropped valuables. It's often required for commercial leases.
Professional liability coverage helps pay for legal costs related to your work performance, such as failure to complete your work before a real estate showing. It's also called errors and omissions insurance (E&O).
Most states require workers’ compensation for interior decoration and interior design firms that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
Commercial auto insurance covers financial losses when an interior decorator's vehicle is involved in an accident. It's required for vehicles registered to a business.
This policy provides financial protection against data breaches and cyberattacks. It's recommended for interior decoration and interior design businesses that handle credit card numbers and other sensitive information.
A small business with a few workers will pay less for insurance than a large company.
Factors that affect premiums include:
It's easy to get interior decorator insurance or interior designer insurance if you have your company 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. insurers to find coverage that fits your interior decorating business, whether you work independently or hire employees.
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