Insurance for interior designers.

Professional liability, general liability, and coverage for client furnishings in your care, for residential and commercial interior designers who design, buy, and install.

What interior designers usually carry

Professional liability (E&O)
General liability
Property of others in your care
Goods in transit
Business owner’s policy
Crime and social engineering
Hired and non-owned auto

Watch for these in an interior designer’s policy

Client goods in your careFurniture you store or ship for a client is not your property, and a standard property policy may not cover it. That takes coverage for property of others.
Products you resellSelling furniture, lighting, or rugs to clients puts you in the chain if one injures someone. Make sure products coverage is not excluded.
Running the tradesIf you hire and schedule contractors, a policy may treat you as a contractor. Tell us, so the policy is written for how you actually run jobs.
Design choices that injureA slip on flooring you specified can be excluded from your general liability as a professional service. Your professional policy has to pick it up.
Client depositsHolding deposits for orders makes you a target for fake vendor emails. Social engineering coverage is often limited or left out.

What clients and building managers ask interior designers for

A certificate before install dayCondo and office building managers often require general liability naming the building and management before your installers arrive.
Professional liability on commercial jobsCommercial clients and the architects you work with often set a minimum limit for design errors.
Workers’ comp for installersIf your own staff install, buildings ask for comp certificates. If subs install, collect theirs.

Questions interior designers ask

Straight answers.

The questions we hear most, answered plainly.

Is furniture damaged in delivery covered?

Not by general liability, which excludes property in your care. Goods in transit and property of others coverage pay for it, up to their limits.

Do I need professional liability if I only pick finishes?

Clients sue over wrong measurements, orders that do not fit, and finishes that fail code. E&O answers those; general liability usually does not.

What if a contractor I recommended does bad work?

Clients often name you in that claim. E&O can defend a claim over your recommendation, but the contractor’s own policy should answer for the work.

How fast can I get a certificate?

Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Professional services

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

Appraisers

Appraisers errors and omissions, General liability, Cyber liability

Accountants

Accountants professional liability, Cyber and data breach, Crime, including client funds

Bookkeepers

Bookkeepers professional liability, Cyber and data breach, Social engineering fraud

Tax preparers

Tax preparers errors and omissions, Cyber and identity theft response, Business owner’s policy

Law firms

Lawyers professional liability, Cyber and funds transfer fraud, Crime, including trust accounts

Business consultants

Professional liability (E&O), General liability, Cyber liability

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