How Liability Insurance Protects Interior Designers During Projects
- 3 days ago
- 2 min read
Interior designers face unique risks while managing projects, coordinating contractors, and working in client spaces. Even the most careful design professional can encounter unexpected accidents, property damage, or errors that may result in costly claims. That’s why liability insurance for interior designers is a critical safeguard for your business and peace of mind.
Professional organizations like the American Society of Interior Designers recommend carrying liability coverage to protect your studio, employees, and clients throughout every project.
What Liability Insurance Covers for Interior Designers
Liability insurance, sometimes referred to as professional liability or errors & omissions (E&O) insurance, protects designers from financial losses associated with claims related to your professional services. Typical coverage includes:
Client property damage – Accidental damage to furniture, flooring, or finishes during installations
Professional errors – Mistakes in design plans, specifications, or project oversight
Bodily injury claims – Injuries occurring to clients, contractors, or employees on project sites
Legal defense costs – Attorney fees, court costs, and settlements related to covered claims
Coverage helps ensure that a single claim does not threaten your studio’s financial stability.
Why Interior Designers Need Liability Insurance
Projects often involve multiple contractors, high-value materials, and client expectations. Common scenarios that could trigger claims include:
Miscalculations in project measurements leading to costly errors
Accidental damage to client property during installation
Delays causing financial loss to clients
Miscommunications or oversight in specifications
Without liability insurance, these incidents could result in lawsuits that jeopardize both personal and business assets.
Claims-Made vs. Occurrence Policies
When selecting a liability policy, interior designers can choose between:
Claims-Made Policies – Cover claims filed while the policy is active, often requiring tail coverage if switching carriers
Occurrence Policies – Cover incidents occurring during the policy period regardless of when claims are filed
Understanding the policy type ensures long-term protection for completed projects.
How to Get Coverage
To secure proper liability protection:
Assess your project types, budget ranges, and client expectations
Determine coverage limits based on potential project exposure
Compare policies from reputable providers specializing in creative businesses
For designers seeking tailored coverage, consider contacting Wexford Insurance for a customized interior design liability insurance quote. Our team understands the risks of interior design projects and can help structure coverage to protect your studio, clients, and professional reputation.
Liability insurance allows interior designers to focus on creativity and client satisfaction, confident that their business is safeguarded against unexpected claims.
