Because you work in your clients' homes and make purchases on their behalf, you take on a lot of risk. Business insurance covers costs if a client is injured, or if you accidentally break an item in their home. It also helps pay for legal defense costs if a homeowner sues your business.
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 helps pay for medical bills and property repairs from customer accidents. It's often required for a commercial lease.
This policy helps pay for legal costs related to errors and oversights, such as failure to complete a home staging before a real estate showing. It's also called errors and omissions insurance.
Most states require workers’ comp for interior decorator businesses with employees. It also protects sole proprietors from work-related 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 helps interior decorators recover from data breaches and cyberattacks. It's recommended for any small business that stores credit card numbers or other personal data.
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.