Interior Designer Insurance

Specialized insurance coverage for the unique needs of your business.

Interior designer insurance from an agency focused on your business.

Home » Business Insurance » Specialized Business Insurance » Interior Designer Insurance

Interior designers spend their time redesigning residential and commercial spaces. This involves incorporating safety into designs to be up to code, selecting durable and functional materials, designing for accessibility and functionality, in addition to staying on target to complete the project by the deadline. All of this exposes an interior designer to unique risks. That’s why every interior designer needs an insurance policy designed specifically for their needs.

Our exclusive interior designer insurance program.

The Satanoff Insurance Agency is excited to be taking our Interior Design program to the next level. We have recently joined forces with an amazing mentor and coach, Michelle Lynne, and her launch of Designed for the Creative Mind™ and a division of her successful interior design firm. Michelle takes her knowledge of the industry and is offering a private interior design community with weekly business education, interaction and ongoing professional development—designed with you in mind.

The most common types of risks associated with interior designers.

As an interior design professional, your clients trust you to create designs for homes or commercial spaces that are up to code and incorporate safety features. If your design doesn’t meet code or the standards of the client, they could sue you for negligence. If you are visiting a client’s home and accidentally damage their property, you can be held responsible. Or, for example, if you fail to complete a project by a deadline, your client could file a lawsuit for not doing the work that was promised in a contract. Without insurance in any of these cases, your interior design business would suffer or be forced to shutter.

Safeguard your business with interior designer insurance.

The level of insurance coverage you need as an interior designer will vary based on the scale of your operations, but there are some policies that all interior design businesses should have. One is general liability insurance, which protects your business should you or an employee cause damages to a client’s property or the client is injured due to your work. It also can help with lawsuits regarding libel and slander against your business. A solid business owners insurance policy (BOP) offers protection for commercial property, including office space, warehouses, and showrooms, as well as your equipment and property while you’re at a client’s location. Finally, professional liability insurance is essential to protect against claims of negligence, errors, or omissions.

Why the scale of your business and your base of operations matters.

Some interior designers are sole proprietors and work out of their homes. Others have an office building and manage multiple employees. Whatever type of business you manage, your needs will vary. If you operate your business from your own home, you’ll need additional coverage beyond your home insurance policy if you have materials delivered there, have items stored there, or have clients and/or employees at your home. If you operate your interior design firm at an office and have multiple employees, you might require more coverage options such as workers’ compensation and others to protect your team and your property.

Coverage depends on whether you focus on residential or commercial projects.

The risks associated with residential and commercial projects differ. For instance, if you are designing for a business, there might be additional considerations for safety and staying up to code. Whereas with residential homes, the scale of the design might typically be smaller and there may not be as many industry-specific regulations to contend with. And if your interior design business works in both fields, your insurance coverage will need to match that.

Interior design is still a business and needs the same protection.

Even if you are the sole proprietor of your own interior design company, it’s still a business and you still need business insurance. When you hire employees, you should have coverages like workers’ compensation and employment practice liability insurance (EPLI) in place to protect them and your business at the same time. It’s important to remember that your business, no matter how large or small, needs to be protected.

Check out the latest Q&A Session

For more information on this program, visit Designed For the Creative Mind.

The extensive knowledge that the Satanoff Agency has regarding the interior design industry gives us the ability to bring you exactly the type of coverage you need. Contact us today for a consultation.

Interior Designer Insurance - Photo of Design Coach Michelle Lynne and Her Launch of Designed for the Creative Mind, a Division of Her Successful Interior Design Firm

Get Started Today

As an independent agency, we are here to help you find the right Interior Designer Insurance coverage.

Get a Quote

  Interior Designer Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Get a Quote

It only takes a minute to get started.

  • Fill out the form, we’ll be in touch.
  • Review options with an agent.
  • Get the coverage you need.

Would you rather discuss this in-person? Get in touch with an agent today!