How does insurance for interior designers work?
Cover to enable you to keep doing what you love
As an interior designer you assist you clients in making interior spaces beautiful. With the use of your own personal style and experience you can transform spaces with colour, furniture, material and lighting. You provide large amounts of advice to your clients which can leave you open to disputes, so having an adequate business insurance policy including professional indemnity insurance for interior designers in place will help give you peace of mind that should there ever be a claim against you or your business you will be protected.
Our personalised interior designer insurance policies are designed to allow you to add, remove, increase or decrease all areas of your insurance policy – giving you the ultimate flexibility when it comes to your cover.
What your interior designer insurance policy includes
Professional Indemnity cover for interior designers
Professional Indemnity insurance, or PI insurance, will protect you and/or your business against any financial or trading loss that may be caused as a result of bad advice or a mistake made in work. Professional Indemnity cover limits from £50,000 to £10m.
Employers Liability insurance cover
Employers Liability insurance is a legal requirement if you employ anyone or pay sub contractors to complete works on your behalf. As an employer, you do have a legal responsibility to ensure that you have provided a safe and secure workplace for employees and visitors. An Insurance Octopus standard Employers Liability insurance policy is £10m cover.
Public Liability cover
Public Liability cover protects you if a customer or a member of the public is injured or their property is damaged, and protects you against the cost of repairs or any legal proceedings that could be filed against you. Standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request and subject to insurers terms and conditions.
Legal expenses cover for interior designers
Legal expenses cover will help protect you against the costs of defending a claim. Covering the costs of both defending the claim and any associated legal expenses.
Associated Claims Costs
Associated Claims Costs can cover you if a claim needs to be investigated further or there is a need bring in expert witnesses in a court hearing.
Add on covers: Business interruption cover, personal accident insurance and more
Business interruption, personal accident, offshore working and more are all additional add-ons that can be increased or decreased as required. By having flexibility with your professional indemnity business insurance policy from The Insurance Octopus, you can make sure your insurance is exactly what you need.
Why you need interior designer insurance
If your business provides a professional service or gives some form of advice, then your clients have an expectation of receiving expert guidance and a good standard of service. If this service is not received, unfortunately the customer could decide to make a legal claim for compensation. The potential costs to your business if a claim is made can be extremely high; along with legal expenses there could also be a compensation sum to pay. If you are not covered correctly it could be financially detrimental to you and your business.
We cover a variety of trades and occupations, and are experts in providing Professional Indemnity Insurance. We can add cover for your business equipment at home, in the office or in transit and provide options for covering you in sector specific situations as required. Get in touch with us today to arrange your Interior Designer insurance policy.
Professional Indemnity Insurance brokers
We cover a variety of professional trades and occupations, and are experts in providing Professional Indemnity Insurance. You will get a bespoke policy that ensures you only pay for the cover you need. We can add cover for your business equipment at home, in the office or in transit and provide options for covering you in sector specific situations as required.
Option to pay monthly for your cover
We can provide you with your policy and related documentation on the same day in most cases (subject to time of day restrictions). To help with the costs we can also offer a range of flexible payment methods such as direct debit. Speak to us today to find out more.
Why choose us for your interior designer insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
We can't stop accidents from happening but our Professional Indemnity insurance will give you up to £5m worth of cover - with up £5 million worth of public liability insurance cover also included.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
Specialists who understand your profession
Connecting you with agents who specialise in your field. They understand many of the challenges you face, & can tailor a policy to your needs.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
Interior designer insurance FAQ’s
Get the answers you're looking for
How much does professional indemnity insurance cost for interior designers?
The cost of your professional indemnity insurance will vary depending on the size of your business and the amount of cover that you require. It’s worth checking with any professional bodies that your business is a member of before selecting a policy as many will require that you have a minimum level of cover in order to be a member. If you’d like more information or a bespoke quote, please call us on 0161 968 2041.
Can you cover self employed interior designers?
Of course, we can arrange cover for a wide range of interior designers with businesses under a variety of legal entities. Speak to our interior designer insurance specialists today on 0161 968 2041.
How much public liability insurance do I need?
When considering your public liability coverage level you’ll want to consider any client or contractual requirements you have. Perhaps your clients require you to have a minimum level of cover for example. You’ll also want to consider the amount of exposure your business has to members of the public and the possible extent of compensation claims. Think about the type of work you do the way your business interacts with people and what could go wrong. Speak to a specialist at The Insurance Octopus today for more help.
How it works
Examples of Interior designer insurance in action
7 years bad luck avoided
An interior designer faced a difficult challenge when a priceless mirror belonging to a recent client fell off the wall and smashed. Worse was to come when it transpired that the designer had recommended affixing the mirror to the wall using hooks that were insufficiently strong. Help was at hand however as the designer was able to call on her professional indemnity insurance to cover the substantial costs that arose from the case, which allowed her to carry on working and trading as normal.