What insurance does an interior designer need?
Professional indemnity, public liability and cover explained.
Interior DesignerInsurance
Interior Designer Insurance
Professional indemnity cover built for interior designers, covering specification errors and the client funds you handle for furnishings.
Professional indemnity cover built for interior designers, covering specification errors and the client funds you handle for furnishings.
Specification errorsClient funds heldEquipment cover
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What is interior designer insurance?
Interior designer insurance is a combination of covers built around designing and specifying work for clients’ homes and premises, professional indemnity for advice or specification errors that cause a client a financial loss, public liability for injury or damage, and cover for client funds you hold.
A specified material that isn’t fit for purpose, a coordination error with a contractor, or a dispute over funds held for furnishings can all lead to a claim.
The right interior designer cover depends on:
Residential or commercial workWhether you hold client funds for purchasesNumber of employeesLevel of professional indemnity coverAnnual turnoverWhether you use subcontractors
Cover that fits the way you work
Cover that fits the way you work
Client projects and specification work bring their own everyday risks.
Client projects and specification work bring their own everyday risks.
RecommendedProfessional Indemnity
Protection if a specification error or advice causes a client a financial loss.
RecommendedEmployers’ Liability
A legal requirement once you employ any staff, even casual help.
RecommendedPublic Liability
Protection if a client or visitor is injured, or you work on their property.
RecommendedBusiness Interruption
Support for loss of income if an insured event stops you working.
OptionalBusiness Equipment
Cover for computers, samples and studio equipment.
OptionalFidelity Guarantee
Covers theft or dishonesty by your own staff, relevant if you hold client funds.
What could go wrong for an interior designer?
What could go wrong for an interior designer?
Most interior designer claims come from a specified material failing, a coordination error delaying the project, a budget overrun, or a dispute over client funds.
Most interior designer claims come from a specified material failing, a coordination error delaying the project, a budget overrun, or a dispute over client funds.
Is this cover right for your work?
This type of business insurance may suit you if you work in interior design.
The right cover depends on:
Residential interior designersCommercial interior designersInterior design studiosDesigners coordinating contractorsDesigners holding client fundsDesigners with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
A specification error, a studio visitor injury, a staff injury and a client fund dispute are the four interior design scenarios insurers see most. Each responds to a different cover.
A specification error, a studio visitor injury, a staff injury and a client fund dispute are the four interior design scenarios insurers see most. Each responds to a different cover.
Specification error
A material or finish you specified isn’t fit for purpose.
Potential cover
Professional Indemnity
Studio visitor injury
A client or visitor is injured at your studio.
Potential cover
Public Liability
Staff injury
An employee is injured at work.
Potential cover
Employers’ Liability
Client fund dispute
A disagreement arises over money held for furnishings.
Potential cover
Fidelity Guarantee
How much does interior designer insurance cost?
There’s no fixed price. It depends on your services, level of professional indemnity cover, staff numbers and claims history.
Scale of projects
Larger or higher-value projects can affect your risk profile.
Whether you hold client funds
Handling money for furnishings can affect your cover needs.
Number of staff
More employees increase your employers’ liability exposure.
Annual turnover
Higher turnover generally means a higher premium.
Level of professional indemnity
Higher limits mean a higher premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting interior designer insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting interior designer insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
Your services, turnover and whether you have staff.
2
Choose your covers
Professional indemnity, public liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Interior designer insurance guides
Interior designer insurance guides
Practical advice on cover, client funds and staying protected.
Practical advice on cover, client funds and staying protected.
Interior designer insurance FAQs
Interior designer insurance FAQs
Straight answers on cover, client funds and cost.
Straight answers on cover, client funds and cost.
Interior designer insurance is a combination of covers built around designing and specifying work for clients: professional indemnity for advice or specification errors that cause a client a financial loss, public liability for injury or damage, and cover for client funds you hold.
Still have questions?
Our advisers are here to help you find the right solution.