Interior Designer Insurance

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Business Insurance for an Interior Designer*

Interior Designers require suitable business and professional indemnity insurance that provides cover for professional indemnity and public liability risks related to their interior design services.

For example, business and professional indemnity insurance for interior designers may include losses arising out of acts, errors and omissions from interior design services provided such as interior design advice, screening, selection, specification and supervision of trades and materials.

Many Business Owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Why do interior designers need business and professional indemnity insurance?*

Interior designers need professional indemnity insurance to provide cover for business risks such as incorrect advice and the provision of interior design advice and project management services that is not up to client expectations and they seek damages against you.

Note that interior designers can be held liable for the advice or the services they perform that may cause financial loss to a third party. As a result interior designers need professional indemnity insurance.

Suitable professional indemnity insurance may provide interior designers with cover for the following claims:

  • civil liability
  • contractual liabilities
  • libel and slander
  • unintentional infringement for intellectual property
  • claims preparation
  • Breach of confidentiality
  • claims investigations costs
  • employee dishonesty
  • care, custody and control extensions
  • cross liability
  • indemnity to others

Furthermore, Public Liability insurance is a core cover for all Australian businesses – including for interior designers and – to cover you against damage to a third person or their property.

If you are an interior designer looking for business and professional indemnity insurance please call 1300 542 573 to TALK to a SMART business insurance broker about a suitable policy at an affordable cost for your business.

Why should a interior designer use an insurance broker?*

If you are an interior designer deciding on what type of company to use for your business and professional indemnity insurance it is important to consider that insurance brokers act in the interests of the small business owner. Direct insurance companies and agents act for the insurer. This can be important especially if you need to claim.

Brokers can help interior designers by sourcing competitive quotes on policy inception, negotiate with the insurance companies to prevent or limit increases on renewal, remarket your policy to other suitable insurance companies where appropriate , talk to underwriters about policy wordings, industry classifications and terms, talk to insurance assessors during the claims process and repairers where necessary.

  • We act for you – the interior designer – not the insurance company
  • You’ll receive a competitive quote on a suitable policy
  • You receive responsive friendly service.
  • You’ll receive a competitive rate on a suitable policy year after year
  • You’ll have us in your court if you need to claim
  • Monthly payment options
  • We’ll do the leg work for you!

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How much does interior designers insurance cost?*

For many self-employed sole proprietor interior designers a $1million professional indemnity policy starts from $770.

Interior designers business insurance cost: from $1150 for $1 million professional indemnity PLUS $5 million public liability insurance.

Please note : pricing may vary significantly from the above based on your size, clients, experience and specific interior design business activities. Interior designers working on large commercial projects, for councils and government typically represent greater risk; require greater limits and higher premiums.

For an interior designprofessional indemnity and public liability insurance cost for your business TALK to a SMART Business Insurance broker on 1300 542 573.

How do I get an interior designers professional Indemnity Insurance quote?*

Depending on the nature of your interior design activities, the size of your projects, the size and type of clients you service and whether you are a sole trader, or employ staff or sub-contractors, different insurance companies and underwriters are likely to provide suitable and affordable cover.

For a suitable and affordable business and professional indemnity interior design insurance quote TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online.