Why do interior designers need insurance?
Dealing with unhappy clients
After you complete a project, a client claims your design and refurbishments have had negative consequences which will cost them money to rectify. As a result, they decide to take legal action. Even though they signed the plans off and you feel the circumstances are unfair, you still need to defend yourself. With professional indemnity cover built into your interior designer insurance with Hiscox, the legal expenses and settlement costs can be covered.
On site accident
You meet the client at their property alongside a contractor and present your ideas with the help of computer aided design (CAD) software on your laptop. Your device is running low on battery so you plug in the charger – unfortunately, the contractor trips on the dangling wire. They injure themselves and file a claim. The work of an interior designer involves contact with people, so incorporating public liability insurance in your policy can help to protect against the unexpected.
Lost client data
You regularly update system security and do your best to keep client data safe. However, one morning your cloud server is hacked and a ransom is demanded. This not only puts you at risk of losing mood boards and house measurements, but your client contact details, too. Having cyber and data insurance as part of your interior designer policy can help to cover the ransom. It also gives you access to a specialist consultancy company to manage the situation.
What insurance is available for interior designers?
If you’re not sure what you need, tell us a little more about your interior design business. We’ll help you to build your quote and explore any other insurance needs.Build my cover
Insurance for interior designers: FAQs
How much professional indemnity insurance do I need?
How much professional indemnity insurance an interior designer needs depends on the type of clients and size of projects. When trying to gauge your cover limit, it might be a good idea to think about how much money it could cost your business to remedy a worst-case scenario. This would include accounting for financial losses, legal fees and compensation.
It may be a good idea to read through our full FAQ guide to how much PI insurance a business might require before tailoring your business insurance quote.
Do you provide proof of cover?
We understand that it is often an industry requirement within interior design for clients and contractors to ask for proof of your cover before signing contracts. That’s why we make sure your journey to getting business insurance is as simple as possible.
With Hiscox, you can build a quote that’s specific to your company’s requirements and purchase this tailored cover online. Shortly after you’ve bought insurance, you’ll receive documentation via email.
Am I insured for providing products to clients?
Yes, by adding product liability insurance to your public liability cover as part of your interior designer policy, you’ll be covered if the products you design, supply or sell cause injury or damage.
We understand that those you work with entrust you to supply them with furnishings such as bedframes, sofas, curtains and more as part of what you offer. With Hiscox you can embrace your creativity and source eye-catching items your clients will love – all with the reassurance that your business is protected.
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