Protects against client claims of negligence, failure to deliver, bad advice, and advertising injury
Covers third-party bodily injury and property damage (e.g. trip/fall, chandelier damage)
Office building and contents against theft, vandalism, and disaster; excludes wear-and-tear; may need a flood floater
Vehicles used commercially; liability, accident benefits, collision
Swatches, samples, staging furniture, and inventory; covers theft and disaster losses
Client database protection against hacking
Home office equipment, inventory, off-premise business interruption, and visitor liability
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Why Do Interior Designers Need Insurance?
Although it's not a legal requirement for interior designers to operate without insurance, it's simply not good business sense to go without. If you don't have insurance and something goes wrong, you could be liable for medical expenses, legal costs, damages and more. Not to mention, being properly insured is more professional, and many high-end clients won't hire you without insurance.
What Information Do I Need to Purchase Interior Designers Insurance?
Applying for insurance can feel overwhelming, but not when you choose to purchase insurance through Morison Insurance. Your broker may ask whether you work full-time or part-time, whether you subcontract work, whether you have contracts with sub-contractors, whether you request proof of insurance from sub-contractors, whether you have insurance now, whether you've been cancelled or declined in the past 5 years, whether you've had claims in the past 5 years, your gross annual revenues, and whether you work at industrial, manufacturing or airport sites.
What Else do I Need to Know Before Purchasing Interior Designer Insurance?
You'll want to prepare your annual revenue estimates, your payroll estimates, and information on any previous insurance claims.
What isn't covered by interior design insurance?
Workers' compensation is provided by the government, many entrepreneurs don't realize this. Commercial property does not cover general wear-and-tear. Flood coverage may require an additional floater on the property policy.
As an interior designer, you walk the line between creative and practical. By creating beautiful spaces for your clients perfectly suited to their needs, you immerse yourself in the life of said client—whether residential or commercial. While this means you provide a valuable service, it also opens you up to a range of risks. Thus, it's essential to have interior design insurance that's completely customized to meet your business' specific needs. That way, you can rest assured that you'll be properly covered in the event of an accident or damaging allegation.
Any individual working in interior design or related fields should be properly insured. No matter how careful and diligent you are, it's impossible to eliminate all risks. However, you can do your absolute best to be prepared in the event of a worse-case-scenario. Protect yourself, and your employees, from unforeseen losses and damages with the right insurance policy. Interior design insurance can be purchased by:
Although it's not a legal requirement, having the right insurance can provide a financial safety net. No matter how lucrative your interior design business is, being hit with an unforeseen lawsuit because a third-party was injured at your worksite, or because your client is accusing you of negligence, can be financially crippling—even if you're not at fault.
Also, if you work with commercial clients on larger projects such as retailers and restaurants, it might be expected that you can provide proof of insurance before you commit to the project. Interior design insurance not only protects your interests, but encourages clients to hire your business. Insurance is reassuring all-around.
As a business owner, it's your responsibility to ensure you have the best interior design insurance coverage. Whether you're an individual contractor working out of your home office, or you own a multi-million dollar interior design firm, protect your company with an insurance policy that is customized for your insurance needs. Avoid putting your company in the red by having to pay for damages, medical bills or legal fees out-of-pocket.
