Insurance for Interior Designers

Why interior designers need insurance

Interior design sits at the intersection of art, project management, and contracting — and every one of those touchpoints comes with a way to get sued. Whether you bill by the hour, charge a flat design fee, or mark up product, the same exposures show up: someone gets hurt on your job site, a project runs over budget, a custom piece arrives damaged, or a client decides the finished space doesn't reflect what you sold them.

Most contracts you'll sign with builders, developers, and high-end homeowners will require you to show proof of insurance before you can start work. The good news: a properly built designer policy costs less than people expect — and the certificate gets issued the same day.

Coverages that matter most

General Liability

Pays when you (or your team) accidentally damage a client's home or injure someone on a job site — a scratched floor during install, a guest tripping over fabric samples, a fixture falling off a wall.

Professional Liability / E&O

Defends you when a client claims your design decisions cost them money — a wrong measurement, a missed deadline, a finish that didn't match the rendering, a recommendation that didn't work out.

Property & Inland Marine

Covers the furniture, art, fabric, and product you own or have in transit — including pieces stored at a warehouse waiting for install day.

Workers Comp

Required in most states as soon as you hire a W-2 employee. Lifting heavy art, climbing ladders for drapery — these are real exposures.

Real claim scenarios

A custom dining table you specified is delivered with the wrong dimensions, delaying the install and forcing the client to push their dinner party. They demand the cost of the rescheduling and a portion of your design fee back.
During a final walk-through, a client's child knocks over a vase you positioned — the vase shatters and chips the marble entry floor.
A high-rise condo HOA requires every contractor on site to carry a $2M general liability limit and name them as additional insured before they'll release the freight elevator.

Two ways to quote

Choose the path that fits your project right now.

Talk to a licensed agent

Best for designers with employees, larger contracts, or specific limit/wording requirements. A real human reviews and follows up — usually same business day.

Request a Quote →

Get an instant quote

Best for solo designers who need coverage by the day, month, or year — use the tool to the right to see your price and bind in minutes.