Interior Design Insurance
- Cover your consulting risks with tailored liability insurance
- Satisfy client contract requirements affordably and easily
- Start projects fast with an instant Certificate of Insurance
4.8/5 on
“Interior Designer gets sued for $9.5M for allegedly breaching an oral contract.”
Lawsuits happen – and not just to your contractors. We have the coverage your business needs.
Why Do Interior Designers Need Insurance?
Whether you’re designing residential, corporate, or outdoor spaces, insurance is crucial for protecting your professional reputation. A missed deadline, a dispute with a contractor, or a misstep in design advice can put your business at risk of being sued. Without insurance, you are personally liable, potentially jeopardizing your hard-earned business.
If a measuring error results in additional costs for your client
Professional liability coverage covers the excess, as well as any potential lawsuits.
If a client claims your design choices do not match their vision and demands compensation
Professional liability insurance helps pay defense costs.
If you accidentally knock over and break a client’s expensive vase
General liability covers the cost of third-party property damage that could occur on the job.
If you accidentally drop a box of sample tiles
Tools & equipment coverage helps replace essential work materials
How Much Does Interior Design Insurance Cost?
Starting at just $21 per month, we offer some of the most competitive rates in the industry because insurance is a necessity, not a luxury. Your policy cost is determined by the specifics of your practice, including the types of coverage needed and gross sales.
Purchase an annual policy and save up to 14% on your premium costs for continuous, top-notch protection.
Recommended Insurance Coverage for Interior Designers
Your livelihood depends on meticulous planning — here’s our plan to ensure your policy includes the essential coverage you need:
Included
Professional Liability Coverage
Professional liability insurance is also known as errors and omissions (E&O) coverage or professional indemnity insurance. It covers legal expenses that result from things like client disputes, missed deadlines, or third-party contractor issues.
Some designers may feel less exposed to liability than contractors or fabricators, especially if they have a limited liability (LLC) or S-corporation structure to protect their personal assets. However, you and your business can still be held responsible for claims related to professional liability. This coverage is essential to help cover legal costs against business lawsuits.
We protect you when
- A contractor sues you for professional negligence after providing design specifications that fail to meet code requirements
- A high-end client accuses you of cutting corners with design materials and sues for remodeling
- A client sues because a delay results in higher contractor costs
- You suggest a flooring installer who does a poor job, and the client sues both of you for negligence
Best for
- Addressing design errors that result in financial loss
- Mitigating third-party contractor issues
- Failure to deliver on time or desired results
General Liability Coverage
General liability coverage protects interior designers from claims related to bodily injury, property damage, or personal injury. If you or your team accidentally damage a client’s furniture or someone gets hurt at your studio, general liability insurance is designed to pay for claims.
We protect you when
- A client slips on a roll of fabric left out during a consultation and sues for negligence
- You accidentally knock over an expensive vase while staging a room, and the client demands compensation
- A guest at a design show trips over your extension cord, is injured, and files a lawsuit
Best for
- Medical expenses
- Damaged client property
- Libel and advertising injuries
Additional Insureds
Additional insured coverage extends the protection of your interior design policy to qualified third parties. These are individuals or organizations that might be held liable for claims tied to your design activities, such as commercial property owners or high-end residential clients.
Without this coverage, they could experience financial losses because of your work. Some clients even require this coverage before entering into a contract, as it protects both parties from unforeseen financial burdens and ensures a smoother working relationship.
We protect you when
- You’re hired as a designer for a high-end commercial property who requires to be added as an additional insured
- A general contractor you’re working with requires you to add them as an additional insured
- A venue at a design expo requests additional insured status in case an attendee is hurt at your booth
Best for
- Office space renters
- Off-site conventions and workshops
- Personal studio visits
Add-Ons
Cyber Liability Coverage
Cyber liability insurance helps interior designers survive data breaches and cyberattacks. It can help pay for recovery expenses, legal fees, client notification costs, and more.
If you store or transmit client information digitally or use online design software, this coverage is for you.
We protect you when
- A ransomware attack encrypts your client records, demanding payment for access
- A hacker breaches your firm’s database and exposes sensitive client information
- Malware corrupts your server, corrupting financial data and key files
Best for
- Data breaches involving client financial and personal information
- Cyberattacks disrupting daily operations
- Ransomware incidents affecting data and systems
- Theft of sensitive client data
Fidelity Bonds
Fidelity bonds compensate your client if one of your employees steals from them.
If an employee engages in dishonest or criminal acts against a client — such as theft, embezzlement, or forgery — your company could face liability, leading to considerable financial losses. Clients might even require your business to be bonded as well as insured.
We protect you when
- An employee embezzles money from a designer’s business account
- A subcontractor forges a client’s signature on purchase orders
Best for
- Contracts requiring a bond
- Interior designers with employees
Tools and Equipment Coverage
Tools and equipment insurance protects the specific tools that interior designers need to complete their work. Design tools — such as drafting equipment, measuring devices, and computers — are critical for your trade. Should they be damaged or stolen, this coverage helps you to repair or replace your equipment without landing a hefty bill.
We protect you when
- A designer’s custom fabric samples are lost during shipping; coverage can reimburse the cost
- The laptop you use for project plans and client information is dropped and no longer works; this coverage helps pay for repairs
- Your portable projector used for client presentations is damaged during a site visit; coverage helps replace it
Best for
- Protecting important business tools and supplies
Workers Compensation Coverage
Workers compensation for interior designers protects your team in the event of work-related injuries or illness. It ensures that your employees receive financial support for medical bills and lost wages, which drives more trust in your company. In many cases, it is also required by state law.
We protect you when
- An employee slips and falls while setting up furniture at a client’s home
- An employee develops respiratory issues from exposure to dust at a design site
Best for
- Consulting firms with employees
Have a unique situation you’re afraid won’t be covered? Chat with us about the specifics and we’ll see what we can do!
Coverage Limits for Interior Design Consultant Insurance
General & Professional Liability
$2,000,000
Products & Completed Operations Aggregate
$1,000,000
Personal & Advertising Injury
Included
General & Professional Liability Each Occurrence
$1,000,000
Damage to Premises Rented to You
$300,000
Medical Expense (Any one person)
$5,000
Additional Limits
Inland Marine / Business Personal Property
$4,000
Have questions?
Licensed, non-commissioned agents are here to answer your questions or concerns so you can get the interior design liability insurance best suited to your needs.
Monday to Friday, 8 am – 8 pm EST
se habla español
Why Interior Design Consultants Choose Insurance Canopy
When it comes to your business, there should be no cutting corners. Interior designers nationwide choose Insurance Canopy for peace of mind and reliable protection.
Affordable and Transparent Policies
Our policies are clear and straightforward, with no hidden surprises — just reliable protection for your consulting business.
Tailored for Small Businesses Like You
We’re aware of the unique risks designers face. Our coverage is designed to protect your career and support your business as it grows.
100% Online Backed by US-Based Support
Manage everything online with ease, knowing that personalized support is here for you when you need it. We’re happy to assist you every step of the way.
135,000+ Small Businesses Trust Insurance Canopy
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TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
Questions You’ve Asked Us About Interior Design Consultant Insurance
Is my interior design insurance policy effective immediately?
Yes — your insurance policy can be immediately active upon purchase. You’ll get confirmation and your Certificate of Insurance (COI) as soon as you complete the online application and make the payment. You’ll even get a badge for your website — so both prospects and clients know you’re insured with the best consulting insurance out there!
Can I cancel my interior design coverage at any time?
Yes, you may cancel your interior design consulting insurance with Insurance Canopy at any time through your policy dashboard. Or, contact our customer service team, who’ll guide you through the cancellation process.
Review your policy terms for any potential cancellation fees or refund eligibility to ensure a smooth transition.
How do I file an interior design claim?
Filing claims with Insurance Canopy is easier than ever:
- Log in to your dashboard
- Find “Manage Policies”
- Click on “File a Claim” and share your info
Once you’re done, a claims adjuster will get in touch to assist you. They’ll be with you every step of the way to ensure the claims process goes smoothly. Our support team is also here to help any time. If you have any questions or need assistance, please reach out.
How do I renew my interior design insurance policy?
Your policy will automatically renew at the end of your policy term to ensure you have continuous coverage. We’ll send you an email reminder before it renews, so you’ll always know when to expect a billing charge. If you need to make any changes or adjustments to your policy, our support team is here to help!
Design with Peace of Mind – Get Covered Today!
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