Insurance for
Interior Decorators
You make rooms beautiful. We make sure the day someone trips over a rug — or a custom piece arrives damaged — doesn't end your business.
Insurance for
You make rooms beautiful. We make sure the day someone trips over a rug — or a custom piece arrives damaged — doesn't end your business.
A standard "small business" policy usually isn't built for the way decorators actually work. You're in clients' homes with valuable pieces, you're hiring local installers and movers, you're sourcing one-of-a-kind product, and you're signing contracts with builders, realtors, and high-end homeowners who all want to see proof of insurance before you start.
A purpose-built decorator policy combines four coverages that work together: liability for accidents on the job, errors & omissions for the decisions you make, property coverage for the pieces you handle, and workers comp the moment you bring on help.
A client trips over your fabric samples. A drapery rod slips and dents a wall. A scented candle you placed leaves a soot ring on the ceiling. GL pays for the damage and your defense.
A client argues the color palette you picked doesn't match what was promised, or that a vendor recommendation you made cost them weeks. E&O covers the legal defense even when the claim has no merit.
Coverage for the furniture, rugs, art, and accessories you own — at your shop, in your van, or in transit between vendor and install.
Required in most states once you hire a W-2 helper. Decorators lift heavy mirrors, climb ladders, and move through unfamiliar properties every day — strain and fall claims are common.
COI stands for certificate of insurance — a one-page document proving you carry the coverage your client's contract requires. Almost every builder, realtor, and HOA will ask for one before letting you start work. Once you're insured with us, we issue your COI the same day you ask for it — often within an hour.
Pick whichever fits the project in front of you.
Best when you have employees, multi-state work, or specific contract requirements. A real human reviews and follows up the same business day.
Request a Quote →Need coverage today? Use the tool to the right — by the day, month, or year — and download your certificate in minutes.