Specialized insurance coverage for the unique needs of your business.
Interior designer insurance secured with Ontario Wide Insurance.
Interior designers spend their time redesigning residential and commercial spaces. This involves incorporating safety into designs to be up to code, selecting durable and functional materials, designing for accessibility and functionality, in addition to staying on target to complete the project by the deadline. All of this exposes an interior designer to unique risks. That’s why every interior designer needs an insurance policy designed specifically for their needs.
The most common types of risks associated with interior designers.
As an interior design professional, your clients trust you to create designs for homes or commercial spaces that are up to code and incorporate safety features. If your design doesn’t meet code or the standards of the client, they could sue you for negligence. If you are visiting a client’s home and accidentally damage their property, you can be held responsible. Or, for example, if you fail to complete a project by a deadline, your client could file a lawsuit for not doing the work that was promised in a contract. Without insurance in any of these cases, your interior design business would suffer or be forced to shutter.
Safeguard your business with interior designer insurance.
The level of insurance coverage you need as an interior designer will vary based on the scale of your operations, but there are some policies that all interior design businesses should have. One is general liability insurance, which protects your business should you or an employee cause damages to a client’s property or the client is injured due to your work. It also can help with lawsuits regarding libel and slander against your business. A solid business owners insurance policy (BOP) offers protection for commercial property, including office space, warehouses, and showrooms, as well as your equipment and property while you’re at a client’s location. Finally, professional liability insurance is essential to protect against claims of negligence, errors, or omissions.
Coverage depends on whether you focus on residential or commercial projects.
The risks associated with residential and commercial projects differ. For instance, if you are designing for a business, there might be additional considerations for safety and staying up to code. Whereas with residential homes, the scale of the design might typically be smaller and there may not be as many industry-specific regulations to contend with. And if your interior design business works in both fields, your insurance coverage will need to match that.
Are you looking for interior designer insurance coverage? Contact us today for a consultation.
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