Interior Design Insurance
Business Insurance for Interior Designers & Decorators
You’re great at your job, but no matter how hard you try to keep everything running smoothly, issues can arise. When they do, we’re here to help get you through them with interior design insurance made for you.
Do Interior Designers Need Insurance?
Whether you specialize in residential, commercial, or outdoor spaces, running a home or commercial interior design business can expose you to unique risks. Remember, running a business comes with common risks too, like property damage and data breaches.
Who Needs Interior Designers & Decorators Insurance?
- Interior designers
- Interior design consultants
- Decorating consultants
- Interior decorating consultants
What Kind of Business Insurance Do Interior Designers Need?
If you’re wondering what kind of coverages you need as an interior designer, we can help you customize a plan that best fits your unique business. Most home and commercial designers start with a Business Owner’s Policy (BOP). This will help protect your interior design business in similar ways to how a homeowners policy helps protect your home. A BOP combines three basic coverages that are important to small businesses like yours. It includes:
General Liability Insurance
This helps cover claims that your business caused bodily injury or property damage to someone else.
Commercial Property Insurance
This helps protect your firm’s owned or rented building and the equipment you use to operate. This includes:
- Computers
- Tablets
- Office furniture
- Design tools
Business Income Insurance
This helps replace lost income if you can’t operate your interior design business because of a covered property damage.
As a business owner, we know you’re looking for insurance to protect your small business that doesn’t break the bank. By combining coverages, a design insurance BOP can help save you money.
Covering Your Interior Design Operations
From handling client requests to maintaining your schedule, running an interior design business can be stressful. That’s why you need design insurance that can keep you protected from all the other stuff you don’t plan for. We pride ourselves on getting to know what our customers need, and have created our interior design professional liability insurance with you in mind. Coverage can include:
- Customer Lawsuit
- Computer Virus
Taking Care of Your Team of Interior Designers & Decorators
Whether you have one assistant or a team of interior designers you oversee, taking care of them is vital to the success of your business. You might even be legally required as a business owner to maintain certain types of insurance. Depending on what state you’re in, you most likely need workers’ compensation insurance, which will cover you if an employee suffers a bodily injury or illness while on the job. Coverage can include:
- Employee Accident
- Car Accident
Protecting Your Interior Design Property
As a small business, you face big risks every day. That’s why choosing the best business insurance for interior designers can make all the difference. You need the kind of coverage that you know has your back, protecting not just your interior design business’ physical property, but your digital assets too. We’re here to help you keep doing what you love, without having to worry about all the risks that come with it. Coverage can include:
- Office Fire
- Stolen Client Information
