Tailored cover for the risks you face
As a self-employed interior designer or garden designer, we know that you come up with original designs as well as source and supply a wide range of products for your clients. That’s why we have tailored our business insurance and professional indemnity coverto protect you against these and the other potential risks you face in your industry.
As a specialist business insurer, you can also trust us to protect you against many of the other risks faced by small businesses. Choose the products that are right for your business and create one single and comprehensive insurance package.
Interior and garden designer professional indemnity insurance
Because you provide a professional service to clients, you could be at risk of being challenged on the work you deliver. It could be the overrunning of a project which means an event can’t go ahead as planned, or a product that you’ve sourced that turns out to be not fit for purpose. If a client brings a claim against your business for compensation, you’ll want a professional insurance policy in place that defends and protects you.
That’s why we offer professional indemnity insurance for garden and interior designers. It’s tailored to the needs of consultants or small businesses carrying out design activities and can help protect you against the cost of settling or defending a client’s claim that there is a problem with the work you have done for them.
You’ll be protected against the risks most common in your industry, including cover for:
- negligence or breach of duty of care – making a mistake in your work or giving bad advice
- your source and supply of products – for example if it later turned out the product supplied was not appropriate for the task it was required to perform
- breach of confidence – sharing confidential or sensitive information without consent
- defamation – making false or damaging claims about a person or organisation
- civil liability – if a claim occurs because of your business activity for a client and we haven’t specifically excluded it, it’s covered
- infringement of intellectual property rights – for example using content from a website or publication without permission
- infringement of copyright that you own – up to £25,000 in legal costs to pursue a claim that someone has infringed copyright you own in work you’ve created through your business, for example if somebody copied one of your designs.
More about Hiscox Professional Indemnity Insurance
We want you to understand the PI cover we offer for interior and garden designers.
If you are often out on site visiting clients or monitoring projects, it’s a good idea to think about how your business would cope if it had to defend a compensation claim. Hiscox Public Liability Insurance is designed to cover the cost of settling or defending a claim for bodily injury or property damage from a client or member of the public. It could be something as simple as you accidentally damaging property at a client’s house or premises, but without the right insurance in place you could be faced with an expensive and time-consuming dispute to resolve.
More about Hiscox Public Liability Insurance
We also offer employers’ liability insurance, which for most businesses with employees is something required by law. It is designed to protect against the cost of settling or defending an employee claim of injury or disease because of their work for you.
More about Hiscox Employers’ Liability Insurance
Tailor your business insurance quote
- Award-winning claims service
- Immediate coverage and documentation
- No admin fees if you amend your policy
Need more help? Speak to our UK-based experts. Call us on 0800 2800 351
Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts
Our office contents policy protects home or office-based small businesses against the cost of replacing or repairing your business equipment if it is accidentally damaged, lost or stolen. You can also add specialist covers to your policy, such as portable equipment (e.g. laptops and phones), which protects your equipment when you are out and about.
More about Hiscox Office Insurance
Cyber and data risks insurance
Our cyber and data risks insurance supports and protects businesses if they experience a data breach or are the subject of an attack by a malicious hacker that affects their computer systems. It provides comprehensive cover, simplicity, reputation protection and a trusted partner in the event of a claim.
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Personal accident insurance
What would happen to your business if you, or a key employee, are unable to work due to an accidental bodily injury? Hiscox Personal Accident Insurance can help protect against the financial impact of this by providing your business with a lump sum or weekly amount.
More about Hiscox Personal Accident Insurance
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What is your profession?
Find out more about the range of insurance covers we offer to specific industries and professions in the list below: