Interior designer insurance
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Protect your interior design business with insurance built around the work you do. Whether you create designs, provide specifications or advise clients on materials and finishes, our cover options can help protect your business against unforeseen costs if an insured event results in a claim.
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Interior designer insurance explained
As an interior designer, you help bring ideas to life, from choosing layouts and finishes to developing concepts and recommending materials.
Alongside creativity, your work can involve professional advice, specifications and decisions that influence a client's project. Having the right insurance in place can help protect your business if something goes wrong.
Interior designer insurance can include a range of cover options depending on how your business works:
Public liability insurance
Public liability insurance can provide protection if a customer, visitor or member of the public claims they suffered injury or damage to their property because of your business activities.
For interior designers, this could include situations like:
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Accidental damage to property during a client visit
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A third party being injured while attending a project location
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Damage caused while carrying out design-related activities
Public liability insurance is included across our interior designer insurance packages, with cover available up to £5 million.
Employers' liability insurance
If you employ staff, employers' liability insurance may be required by law in certain circumstances.
This cover is separate from public liability insurance and can protect your business if an employee suffers a work-related injury or illness and your business is found legally liable.
We offer employers' liability insurance up to £10 million across our interior designer insurance packages.
Tools cover
Many interior designers rely on equipment to carry out their work, including laptops, tablets and other portable items.
Tools cover can provide protection for insured tools and equipment used for business purposes, subject to the policy terms and conditions.
Cover starts from £1,000 and can be increased up to £15,000.
Temporary total disablement benefit
If an insured person is unable to work following a covered injury, our Plus policy includes temporary total disablement benefit, which can provide a weekly income of up to £600 for covered injuries.
Interior design work often involves turning a client's ideas into a finished plan. Along the way, you may provide advice, recommend products, create specifications or work alongside other professionals.
Business insurance for interior designers can help protect against unforeseen costs if an insured event results in a claim. The cover you choose will depend on the services you provide, the way your business operates and the risks involved.
Whether you're a freelance designer or run an interior design studio, we offer cover options built around your daily work.
1. A client alleges design advice caused financial loss
A client may claim that a design recommendation, specification or professional advice caused them financial loss.
Professional indemnity insurance can provide protection for claims relating to these kinds of professional services.
2. Accidental damage during a client visit
Interior designers may visit multiple properties while working on a project.
If your business activities accidentally cause damage to third-party property, public liability insurance may provide protection against claims for property damage.
4. Business equipment is lost or damaged
Laptops, tablets and other portable equipment can be important parts of running an interior design business.
Tools cover may provide protection for insured equipment, subject to the policy terms and conditions.
5. You supply products as part of your service
Some interior designers provide products or furnishings alongside their design services.
If your business supplies products as part of your work, product liability insurance may also be relevant.
What interior designer insurance can and can't cover
The right cover for your interior design business will depend on the services you provide and how your business operates.
Understanding what is included can help you choose the cover that fits your work.
What can be covered
✔ Public liability insurance up to £5 million
✔ Injury to third parties arising from your work
✔ Damage to third-party property
✔ Legal defence costs where covered under your policy
✔ Third party financial loss cover up to £100,000
✔ Professional indemnity insurance up to £100,000
✔ Tools cover from £1,000 up to £15,000
✔ Employers' liability insurance up to £10 million
✔ Temporary total disablement benefit providing up to £600 per week if an insured person is unable to work due to a covered injury.
✔ Capital death benefit
✔ Optional extras including contract works, owned plant, hired-in plant, stock in transit cover and jury service
What can’t be covered
✘ Work carried out outside your declared business activities
✘ Deliberate acts or intentional damage
✘ Wear and tear to equipment
✘ Mechanical breakdown of equipment
✘ Professional services outside the scope of your policy
✘ Claims arising from circumstances you were aware of before taking out the policy
✘ Any exclusions outlined within your policy wording
Always check your policy wording for the full terms, conditions, exclusions and limitations that apply.
Who is interior designer insurance for?
Interior designer insurance is designed for professionals providing design services, advice and creative solutions for residential and commercial spaces.
The people we cover includes:
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Freelance interior designers
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Self-employed designers
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Interior design consultants
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Residential interior designers
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Commercial interior designers
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Interior design studios
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Partnerships
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Limited companies
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Limited liability partnerships
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Interior design businesses with employees
Our cover is available for businesses with up to 15 employees and an annual turnover of up to £3 million.
If your business also provides other services alongside interior design, additional cover may be needed depending on the work you carry out.
Your interior designer insurance cover options
From freelance designers working independently to established interior design businesses, we offer cover options that can be tailored around the way your business operates.
Essentials
Our Essentials package offers straightforward cover for your business. It includes public liability insurance and third party financial loss cover.
- Public liability insurance up to £5 million
- Third party financial loss cover up £100,000
- Employers' liability insurance up to £10 million can be added to your package
Classic
Our Classic package builds on Essentials, adding professional indemnity cover, capital death benefit and tools cover.
- Public liability insurance up to £5 million
- Professional indemnity cover of £100,000
- Third party financial loss cover of £100,000
- Capital death benefit
- £1,000 of tools cover, which can be increased up to £15,000
- Employers' liability insurance up to £10 million can be added to your package
Plus
Our Plus package builds on Classic by adding temporary total disablement benefit. It offers our widest level of cover.
- Public liability insurance up to £5 million
- Professional indemnity cover of £100,000
- Third party financial loss cover of £100,000
- Capital death benefit
- £1,000 of tools cover, which can be increased up to £15,000
- Temporary total disablement benefits up to £600 a week per person
- Employers' liability insurance up to £10 million can be added to your package
Optional Extras
Looking for additional cover? You can add the following to your policy:
- Contract works
- Owned plant
- Hired-in-plant
- Stock in transit
- Jury service cover
Fixed price, fixed peace of mind
Lock in your insurance price for two full years with Trade Direct Insurance’s Price Freeze on Classic and Plus policies.
Whatever your trade, work can be unpredictable. Your insurance price doesn’t have to be.
How much interior designer insurance do you need?
The level of cover you choose will depend on the type of design services you provide and the way your business works.
Factors that may affect your insurance requirements include:
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The type of design work you carry out
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Whether you work alone or employ staff
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The size and value of the projects you work on
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The level of professional advice or specifications you provide
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The value of your business equipment
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Any contractual insurance requirements
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Optional covers selected
The final cost of your interior designer insurance will depend on your business, activities and the level of cover you choose.
Getting an interior designer insurance quote online is straightforward.
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Tell us about your business and the services you provide.
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Choose the cover options that match your requirements.
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Review your quote and complete your purchase online.
Once your cover is in place, you'll be able to access your policy documents online.
Your cover will begin from the date you choose when taking out your policy.
Public liability insurance
Public liability insurance can provide protection if someone claims your business caused accidental injury or damage to their property.
This can be relevant for interior designers who visit client properties or work across different project locations.
Professional indemnity insurance
Professional indemnity insurance can provide protection if a customer alleges your professional advice caused financial loss due to a negligent act, error or omission.
This can be relevant for businesses providing advice, specifications, designs or other professional services.
Product liability insurance
If your interior design business supplies products as part of your service, product liability insurance may also be relevant.
This cover focuses on claims involving products supplied, installed or provided by your business.
Get your interior designer insurance quote today
From freelance designers working independently to established interior design businesses, we offer cover options built around the services you provide.
Whether you provide design concepts, specifications, recommendations or wider interior design services, you can choose from cover options to suit the way your business works.
✔ Underwritten by Zurich Insurance Company Ltd.
✔ Public liability insurance up to £5 million
✔ Employers' liability insurance up to £10 million available
✔ Tools cover up to £15,000
✔ Temporary total disablement benefit up to £600 per week
✔ Third Party Financial Loss cover included
✔ Save 10% with B&Q TradePoint
✔ UK-based expert telephone support
✔ Fast online quote experience
✔ Cover for over 70 recognised trades