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Interior Designers Insurance

Elevate your interior design journey with peace of mind! Wrap your creative vision in protection with flexible and affordable interior designer insurance.
Buy From

$21.08

Per Month

Comprehensive Small Business Insurance for Interior Designers

Insurance Canopy provides insurance for interior designers that is A+ rated by AM Best, hassle-free, and affordable.

Do Interior Designers Need Insurance?

As you design and create spaces for clients, you deal with valuable assets and work in diverse locations. Comprehensive insurance for interior designers provides peace of mind by safeguarding your business and clients from potential risks and liabilities.

Whether it’s damage to a client’s property, injuries on the job site, or unforeseen incidents, interior designer insurance ensures you can continue your business operations smoothly and confidently.

How Much Does Interior Designer Insurance Cost?

Our interior design insurance policy starts at $229 a year or $21.08 a month. This cost can vary depending on your business’s gross income, selected coverages, and coverage limits.

Insurance Canopy is able to provide cheap interior designer insurance through:

  • Our US-based licensed agents are commission-free, ensuring cost-effectiveness when helping you.
  • We’re a part of a risk purchasing group that creates lower rates and a safety net of coverage.

Although our insurance for interior designers is affordable, that doesn’t mean we skimp on the coverage or quality. To learn more about customizing your interior designer insurance, you can review the information provided here.

The Ideal Coverage for Interior Designers And Decorators

Our tailored insurance solutions ensure every curve and contour of your interior design business is protected with precision and style.

General Liability Insurance

General liability insurance can help protect you from the financial stress of third-party bodily injury and property damage claims. General liability claims can look like several different scenarios:

  • A customer tripped over a piece of furniture you left behind and injured themselves. 
  • A piece of staging furniture gets damaged at a client’s house, and you have to replace it.

These costs can get expensive, so it’s important to take precautions when running your business. 

Professional Liability Insurance

Professional liability insurance, also known as errors and omissions, protects you from the cost of claims that stem from your business operations. Common claims for interior decorator insurance can include a customer suing your business because of false advertising, misinformation, or faulty professional advice.

Need More Coverage?

Cyber Liability Insurance

Cyber liability insurance can provide protection from cyber security attacks and cyber security breaches. If you store any client information online on a tablet, mobile phone, or laptop, we highly recommend this insurance.

Tools and Equipment Insurance

Tools & equipment insurance is a form of inland marine insurance that covers goods transported on land. This extends insurance protection to your business equipment. Common claims can include your staging furniture getting damaged when your warehouse gets flooded. Tools and equipment insurance can help repair or replace stolen or damaged equipment.

 Additional Insureds

Additional insureds extend your coverage to rented and other business spaces where you provide services. It protects against the costs of accidents caused by you or your clientele. Adding property owners and event organizers as additional insureds is common practice and can be accommodated in your policy.

Coverage Details

General & Professional Liability Limits

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

$3,000,000

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are manufactured, sold, or distributed.

$1,000,000

The amount that your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement

Included

The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.

$1,000,000

The most we will pay for property damage to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner.

$300,000

Medical Expense (Any one person)

$5,000

Additional Limits

Inland marine insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure. Note: a $250 deductible applies to this coverage.

$4,000

Still doing your research?
Have Questions?
Our licensed agents are available to answer any questions you may have (se habla español)

You're In Good Company With Insurance Canopy

Here's what other people have to say about their experience.

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  • Rates were very competitive and I had great help when I called with questions. The application was fast and easy to fill out online. I haven’t had to file a... Read More

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FAQs About Interior Designer Insurance

Interior designer insurance provides essential protection against various risks and liabilities that may occur during your work. Coverage typically includes protection for property damage, liability claims, professional errors or omissions, and legal expenses. 

Since interior designers often handle valuable assets and materials and are entrusted with the safety of their clients and their property, having the appropriate insurance is crucial. This insurance not only shields interior designers from potential financial losses but also safeguards them from possible lawsuits. With the right coverage in place, interior designers can focus on their creative work with confidence and peace of mind.

Insurance Canopy provides interior designers with affordable, convenient, and timeless interior design insurance that can be purchased entirely online. Our insurance agents are US-based and licensed and commission-free. So when you work with an agent, you can expect a stress-free, hygge-filled, no-pressure experience while getting all of your insurance questions answered. 

Potential liabilities include theft, injuries, misinformation, and more. All of these claims could cost you thousands of dollars in out-of-pocket expenses. Protect your business today with business insurance for interior designers. 

Businesses that need interior design insurance can include:

  • Interior Designers
  • Interior Decorators
  • Interior Design Consultants
  • Party Decor Designers
  • Wedding Decor Designers

An additional insured is a landlord, property owner, or event organizer who requires you to extend your insurance protection to them. An additional insured can be an event organizer at an interior design conference or convention you are presenting at. 

You can add them as an additional insured for free through your user dashboard at any time when it is needed.

Absolutely. At Insurance Canopy, we recognize that businesses evolve. You can easily update your coverage, ensuring it always aligns with the changing needs of your growing interior design business.

While coverage varies, common exclusions may include intentional wrongdoing, criminal acts, and contractual disputes. Reviewing your policy and consulting with our agents ensures a clear understanding of any exclusions.

In the event of a claim, our dedicated claims team is here to assist you. The process is designed to be straightforward and efficient, allowing you to focus on your work while we handle the necessary steps to resolve the claim promptly. For more detailed information, check out this blog on how to file an insurance claim.

Choosing the right insurance is critical.
You can’t afford gaps in your coverage that could put you out of business.
man with glasses smiling

Need additional information before making a decision?

Give our team a call today at 844.520.6993

Interior Designer Insurance

Annual Policy: Starting at $21.08 per month – Your business involves working closely with people; let us help you have peace of mind with protection for your small business. We understand the most common claims your business will face, and we want to help you be protected. Let us be your professional resource to help your business thrive.

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