Liability Insurance for Interior Designers

Liability insurance for interior designers protects against client lawsuits, property damage, and professional mistakes, ensuring your design business stays secure.

Interior designers transform spaces into something beautiful and functional, but with creativity comes responsibility. Even the most skilled designers face risks—clients may claim dissatisfaction, accidents can occur on-site, or a design error could cause costly damage. This is where liability insurance for interior designers becomes essential.

What Is Liability Insurance for Interior Designers?

Liability insurance provides financial protection if your design business faces lawsuits, accidents, or claims of negligence. It covers legal defense costs, settlements, and damages that could otherwise drain your resources.

Types of Coverage You Need

1. General Liability Insurance – Protects against third-party bodily injury and property damage. For example, if a client trips over a sample board at your studio, this policy covers medical bills and legal costs.

2. Professional Liability Insurance (Errors & Omissions) – Covers claims of negligence, mistakes, or missed deadlines. If a design flaw leads to costly repairs, this policy protects you.

3. Product Liability Insurance – If you recommend or supply furniture or materials that cause damage or injury, this coverage applies.

4. Business Property Insurance – Covers your tools, equipment, and office space.

Why Interior Designers Need It

• Clients may sue over unsatisfactory results, even if you followed the contract.

• Job sites pose risks of property damage and injury.

• A single lawsuit can cost over $50,000 in legal fees and damages.

• Many commercial clients require proof of liability insurance before signing contracts.

Average Cost of Liability Insurance for Interior Designers

On average, interior designers pay between $350 and $900 per year for general liability insurance. Professional liability coverage typically ranges from $600 to $1,200 annually, depending on experience, project size, and location.

How to Choose the Right Policy

• Assess the size of your business and number of employees.

• Determine if you work with high-value clients or luxury properties.

• Bundle policies (general + professional liability) to save money.

• Work with an independent agency that can compare offers from multiple carriers.

Liability insurance isn’t just a safeguard—it’s a business essential for interior designers. With the right coverage, you can focus on creativity and growth without worrying about financial setbacks.