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Why do interior decorators need business insurance?
Because you work in your clients' homes and make purchases on their behalf, you take on a lot of risk. Business insurance covers costs if a client is injured, or if you accidentally break an item in their home. It also helps pay for legal defense costs if a homeowner sues your business.
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With Insureon, interior decorators can get insurance coverage the same day they apply for quotes.
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What types of business insurance do interior decorators need?
These insurance policies cover the most common risks of interior decorating.
Business owner's policy
A BOP bundles commercial property insurance with a general liability policy. It's a cost-effective way for interior decorators to buy small business insurance.
BEST FOR
- Common third-party accidents
- Business property damage and theft
- Business interruption coverage
General liability insurance
Commercial general liability insurance helps pay for medical bills and property repairs from customer accidents. It's often required for a commercial lease.
BEST FOR
- Customer bodily injuries
- Customer property damage
- Libel and other advertising injuries
Professional liability insurance
This policy helps pay for legal costs related to errors and oversights, such as failure to complete a home staging before a real estate showing. It's also called errors and omissions insurance.
BEST FOR
- Failure to complete a project
- Accusations of negligence
- Budget overrun
Workers’ compensation insurance
Most states require workers’ comp for interior decorator businesses with employees. It also protects sole proprietors from work-related injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Commercial auto insurance
Commercial auto insurance covers financial losses when an interior decorator's car is involved in an accident. It's required for vehicles registered to a business.
BEST FOR
- Property damage caused by your car
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Cyber insurance
This policy helps interior decorators recover from data breaches and cyberattacks. It's recommended for any small business that stores credit card numbers or other personal data.
BEST FOR
- Customer notification costs
- Data recovery
- Fraud monitoring services
Looking for different coverage? See more policies.
How much does insurance cost for professional service businesses?
An interior decorator who works independently will pay less for insurance than a larger business.
Factors that affect premiums include:
- Professional services offered, such as commercial or residential decorating
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get interior decorator insurance?
It's easy to get interior decorator insurance or interior designer insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. insurers to find coverage that fits your interior decorating business, whether you work independently or hire employees.
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