Interior Design Insurance

Design Without the Worry.

Our work involves unique risks from client disputes to property damage. Interior Designer Insurance helps protect your business so you can focus on creating beautiful spaces.

Your designs transform spaces, make sure your business is protected.

As an interior design professional, clients trust you to bring their vision to life while ensuring everything is functional, safe, and up to code. But even with your expertise, accidents, delays, or misunderstandings can happen. The right insurance coverage protects your reputation, your finances, and your ability to keep creating beautiful spaces.

The Unique Risks You Face

Designing interiors involves more than aesthetics it comes with industry-specific risks, including:

  • Design errors. Plans that don’t meet building codes or client expectations.

  • Missed deadlines. Delays that lead to breach-of-contract claims.

  • Client property damage. Breaking furniture, scratching floors, or other accidental damage during site visits.

  • Injuries in your space. Clients or vendors hurt while visiting your office or showroom.

  • Worksite accidents. Injuries or damages while working at a client’s property.

  • Auto accidents. Collisions while traveling to client sites or showrooms.

  • Cyber threats. Data breaches compromising sensitive client or project details.

  • Fire, theft, or vandalism. Damage to your office, equipment, or stored materials.

Coverage That Fits Your Needs

Interior designer insurance should address the unique challenges of your profession while covering the essentials of running a business. Common coverages include:

  • Professional Liability Insurance – Also called Errors & Omissions (E&O), it protects against claims of negligence, design mistakes, or missed deadlines.

  • General Liability Insurance – Covers injuries or property damage caused to clients or third parties.

  • Business Owners Policy (BOP) – Combines general liability with commercial property insurance for cost-effective protection of your office, tools, and inventory.

  • Commercial Property Insurance – Covers damage to your workspace, showroom, or storage facilities from fire, storms, theft, or vandalism.

  • Workers’ Compensation Insurance – Pays for medical costs and lost wages if employees are injured on the job.

  • Business Auto Insurance – Covers vehicles owned by your business for work-related travel.

  • Hired & Non-Owned Auto Insurance – Protects your business if employees use personal vehicles for client visits.

  • Cyber Liability Insurance – Covers losses from hacking, data breaches, or stolen project files.

  • Employment Practices Liability Insurance (EPLI) – Protects against employee claims such as discrimination or wrongful termination.

  • Umbrella Liability Insurance – Adds extra protection beyond your standard policy limits.

Why It Matters

A single lawsuit, accident, or design dispute can cause major financial strain or even shut down your business. Insurance tailored to interior designers ensures you can handle challenges without derailing your projects or your professional reputation.

Protect your passion and your business.
Let’s create a custom coverage plan so you can focus on designing stunning spaces without worrying about what could go wrong.

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