Interior designers manage physical spaces, vendor relationships, and client expectations—all of which come with risk. Consider the following coverages:
- Professional Liability (E & O) – Protects against claims tied to design errors, budget oversights, or unmet expectations.
- General Liability – Covers accidents like a client tripping at your office or damage caused during an on-site visit.
- Commercial Property Insurance – Protects your workspace, tools, or samples in the event of fire, theft, or storm damage.
- Cyber Liability Insurance – Safeguards client data if you use digital contracts, design plans, or online payments.
- Business Owner’s Policy (BOP) – Combines multiple protections into one policy, often including business interruption coverage.
- Workers’ Compensation – Required in most states if you employ staff, even part-time.
