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Interior Design Insurance
Customized coverage for interior designers
This coverage provided and serviced by affiliated and third-party insurers.. Read more
Interior design insurance tailored to your business needs
You're a visionary with an eye for transforming spaces to reflect your clients' unique tastes. But even the most carefully planned projects can run into challenges. That's where insurance for interior designers comes in.
With coverage tailored to the risks of interior design businesses, you can stay focused on creating beautiful spaces for your customers. It also helps you stay ready if an unexpected event causes a wrinkle in your plans.
What is interior design insurance?
Interior design insurance is customized business insurance that helps protect your work and reputation when a project doesn't go as planned. Depending on your policy, insurance for interior designers can provide financial and legal support for things like delivery issues, on-site accidents, client concerns, and more.
Progressive Commercial has the expertise and experience to connect you with the right coverage for your interior design business. Start a quote online for a policy that helps keep your projects moving.
Why do interior designers need insurance?
Interior design insurance minimizes financial loss and protects your client relationships so you can bounce back quickly if something goes wrong.
Insurance for interior designers can also be a contractual requirement. Clients may request a certificate of insurance (COI) to confirm you have the coverage you need for the job. If you have a Progressive Commercial policy, getting this information is quick and simple.
Who needs interior design insurance?
Anyone who provides professional design services should consider interior design insurance. The following professions can benefit from a specialized policy:
- Home interior designer
- Commercial designer
- Real estate home stager
- Design consultant
- Freelance design contractor
- Virtual designer
Whether you're a sole proprietor or have an LLC with multiple employees, we can help you find insurance that works for your business.
What types of insurance do interior designers need?
You don't just design spaces — you transform them. But when you're creating ambiance for a homeowner or reimagining a high-end office, things might not always go as planned. That's why it's important to consider protection for miscommunications, delays, property damage, and potential legal disputes. Consider these common types of business insurance for interior designers when building your policy.
General liability (GL)
Covers third-party injury and property damage
General liability (GL)
Covers third-party injury and property damage
General liability insurance can help protect you if someone is injured or their property is damaged while you're working. It could cover costs like medical bills, property repair, and legal fees if a claim is made against your business. Explore the benefits of GL and see what goes into general liability cost.
Example: While staging a room for a customer, you accidentally break an expensive vase. General liability insurance for interior designers could help pay to replace the damaged item.
Business owners policy (BOP)
Combines liability and property coverage in a flexible policy
Business owners policy (BOP)
Combines liability and property coverage in a flexible policy
A business owners policy packages liability protection with commercial property coverage. It can safeguard your building, equipment, inventory, and other company assets. It also helps with business interruption when a covered event, like a fire, disrupts your work.
Example: A pipe bursts at your studio, destroying fabric swatches, staging furniture, and computer equipment. The commercial property portion of your BOP could help pay to repair or replace these materials.
Professional liability
Covers claims of negligence and bad advice
Professional liability
Covers claims of negligence and bad advice
Professional liability insurance can help protect your business if a client says your advice or services were negligent or unsatisfactory. These claims usually relate to financial losses, like extra expenses or overtime costs. Professional liability insurance for interior designers could cover your defense, even if you didn't do anything wrong.
Example: You need to place a rush shipping order to get furniture on time, and the project runs over budget. The client claims you mismanaged the workload and decides to sue. In this case, professional liability coverage could help pay legal and settlement costs.
Workers’ compensation
Protects workers injured on the job
Workers’ compensation
Protects workers injured on the job
Workers' compensation insurance supports employees who get injured or sick because of their job. It helps pay medical bills and lost wages while they recover. This important protection is usually required in most states. Review your state's specific workers' comp rules to see if you need coverage where you live.
Example: Your design assistant cuts their hand while opening a box of accessories. Workers' comp can help pay their medical bills and lost wages until they're able to return to work.
Cyber
Guards against digital threats and data breaches
Cyber
Guards against digital threats and data breaches
Cyber coverage helps pay for costs associated with data recovery, investigative services, and business interruption if you have a breach or other digital threat. It also supports your business if customers or other third parties have their information compromised.
Example: A data breach compromises personal client information, such as addresses and credit card numbers. Cyber coverage can help pay for customer notification, credit monitoring services, and legal fees or regulatory fines.
Get important information in writing
Make sure to get a signed contract that clearly outlines the project's scope and budget. Documenting all the details shows potential clients that you run a professional, trustworthy operation and can come in handy if someone files a claim against you.
How much does interior design insurance cost?
The cost of business insurance varies, depending on the risks you face. For example, a large firm with corporate clients will likely need more coverage than a small operation that stages residential homes. When calculating your rate, insurers usually consider factors like:
- Business type and size
- Number of employees
- Claims history
- Location
- Years in business
- Coverages and limits
If your interior design firm uses vehicles for delivery and installation, you might need a commercial auto policy, which is priced separately. The cost of commercial auto is determined by things like driving history, type of vehicles, and the coverages you choose.
Progressive Commercial can help you find an affordable rate with multi-product savings and other insurance discounts.
Why choose Progressive Commercial
For over 50 years, small businesses have trusted us to provide custom coverage at an affordable rate. That experience helps us guide you toward insurance that meets your day-to-day need. Start a quote online to find the right policy for your interior design company.
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