Interior Designers Insurance
Comprehensive Small Business Insurance for Interior Designers
Affordable Coverage
Discover interior design insurance that fits your budget and won’t break the bank. Our US-based, commission-free agents ensure cost-effectiveness in every payment.
Quick and Easy
Get your interior designer insurance hassle-free in just 10 minutes and secure instant coverage for your interior design business.
Seamless Online Platform
From purchasing your interior designer insurance to managing your policies, everything is online and streamlined for your convenience! Access your online policy documents and certificate of insurance 24/7.
Personalized Assistance
Access expert guidance without pressure. Connect with our licensed insurance agents for dedicated support. Whether by phone, email, or chat, we're here to address all your questions.
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
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 & 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.
$2,000,000
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
You're In Good Company With Insurance Canopy
Here's what other people have to say about their experience.
-
Being 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, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 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 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024Always 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, 2024 -
She is positive and friendly !
Alan Dynin
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, 2024Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024 -
Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024 -
I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
susanf
July 5, 2024quick and easy to sign up and did not break the bank!!
Michael “Michael”
April 8, 2024Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More
Robert Caudle
April 7, 2024 -
Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More
Lucia Boroczk
April 4, 2024Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024 -
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024It was fast and easy.
Vincent Cabello
March 31, 2024Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More
Patrick McElhaney
March 27, 2024 -
Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!
Aaron Copenhaguen
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel Harrison
March 26, 2024
-
Being 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 -
Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
This 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 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024 -
Rey 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, 2024 -
Excellent 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, 2024
FAQs About Interior Designer Insurance
What Is the Importance of Having 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.
Why Is Insurance Canopy the Best Insurance for Interior Designers?
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.
What Are the Potential Liabilities of an Interior Designer?
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.
Who Needs Interior Design Insurance?
Businesses that need interior design insurance can include:
- Interior Designers
- Interior Decorators
- Interior Design Consultants
- Party Decor Designers
- Wedding Decor Designers
What Is an Additional Insured? Can I Include One in My Policy?
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.
Can I Update My Coverage as My Business Grows?
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.
What are the Exclusions in Interior Designer Insurance?
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.
How Do I File a Claim Under My Interior Designer Insurance?
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.
Need additional information before making a decision?
Give our team a call today at 844.520.6993
Interior Designer Insurance
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