Insurance for Interior Design Services

Already know what you need? Get started on your application by entering your zip code.

Prefer to speak with a CoverWallet consultant? Call (646) 844--9933 anytime

Risk and Interior Design

As an interior designer, you make a living out of helping others reimagine and renovate different spaces. That can include living spaces as well as offices, government buildings, art galleries or museums. All interior designers offer both consultations on design ideas, as well as assisting with making the right purchases with regards to the furniture, design materials and contractors needed to turn these ideas into reality.

These activities all carry some associated risk. Even the best interior designers face the potential of unhappy clients considering their business to be liable for mistakes or accidents. Consider the potential benefits of having different insurance policies on hand in case the unexpected does occur.

Business Owners Policy (BOP)

Interior designers who own property face additional risks associated with the business. While many interior designers do work out of the home, many successful interior design businesses utilize large business spaces and sometimes even large warehouses. This equates to significant monetary investments in property, all of which could be at risk of a loss or could be a potential hazard for clients passing through your offices, warehouses or showrooms.

If clients are ever injured accidentally while on your premises, you could be liable for bodily injuries. This is where a Business Owners Policy comes in, helping you to mitigate the risk. Alternatively, if something happens to your business property, such as a fire or theft, a BOP will help to cover the cost.

Errors and Omissions (E&O)

Perhaps one of the most important policies for interior design specialists. An E&O policy helps cover the costs associated with giving advice to clients. When an interior designer makes suggestions on how to reorganize or transform a space, he or she is taking on the responsibility for the money that will be spent. If a customer feels that money was spent frivolously or that the suggested changes were not properly thought out, the customer may try to hold the interior designer liable.

Interior designers may also face claims if a client believes the changes made to the space were inadequate, or if those changes resulted in an unexpected and undesired consequence. For example, if a customer wants a living room redone before the birth of a new baby, the parents may give the interior designer the task of revamping the space to make it more child-friendly. However, if the parents later determine that the living room space they paid to have redone still contains safety oversights, the fault may lie with the interior designer. E&O insurance is designed to mitigate the costs of any such oversights.

Hired & Non-Owned Auto

If your or an employee uses a personal or rented vehicle for business purposes, Hired and Non-Owned Auto insurance can be quite valuable. Essentially, it offers liability coverage in the case of an accident or vehicular incident while employees are driving on-the-job. As an interior designer driving to visit clients' spaces and evaluate products, it's important to make sure your business is protected as you drive.

What type of insurance does this industry need?

  • General Liability: This policy protects your business in case of third-party claims, such as bodily injury or property damage. Getting the right General Liability policy in place can help you get more jobs and grow your business. General Liability insurance is often considered to be a core coverage, particularly for businesses that regularly physically interact with customers and do work at other people’s properties. In addition, a General Liability policy is usually required for you to get a job.
  • Professional Liability: This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to a mistake or error made in a professional capacity. Your business may have contracts with clients or partners that require Professional Liability coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, Professional Liability coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.
  • Workers Compensation: Workers Compensation covers an employee's lost wages and the cost of resulting medical treatment if they suffer a work-related injury or disease. It also covers services needed to help the employee recover and return to work. Workers Compensation coverage is mandatory in most states. The number of employees after which it's required differs by state, but you will generally need coverage once you have employees.

Businesses Love CoverWallet

Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

Testimonial John White

Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Get a free quote, all you need to enter is your zip code to get started.

Or call (646) 844--9933 anytime.

Get protected easily with CoverWallet

We are making headlines!

Already insured?

No worries, keep your insurance, just get an account with us to manage your policies, certificates of insurance and more

Get CoverWallet »

Need help? Get free advice

Understand in 10 seconds what type of insurance your industry needs, and why

Insurance Assessment »

The Power Behind CoverWallet

Algorithms, Science, Magic
Customized, Intelligent Application
State of the Art Technology

Algorithms, Science, Magic!

You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.

Customized, Intelligent Application

We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.

State of the Art Technology

We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.

Are you ready to get down to business?

Enter your zipcode to get started or call (646) 844--9933 anytime.