Professional Liability Insurance for Interior Designers Explained
- 3 days ago
- 2 min read
Running an interior design studio involves more than creativity—it comes with responsibilities that can expose your business to claims of errors, omissions, or negligence. That’s why professional liability insurance for interior designers is a crucial safeguard for your studio, clients, and financial future.
Industry organizations like the American Society of Interior Designers recommend professional liability coverage as part of a comprehensive risk management strategy, protecting both independent designers and full-service studios.
What Professional Liability Insurance Covers
Professional liability insurance, also called errors & omissions (E&O) insurance, is designed to protect designers against claims related to professional services. Coverage typically includes:
Design errors or omissions – Mistakes in plans, layouts, or specifications
Breach of contract – Failing to meet project terms or deadlines
Negligence claims – Alleged failure to perform duties according to professional standards
Legal defense costs – Attorney fees, court costs, and settlements
This insurance is essential because even minor errors in design documents or project management can result in costly lawsuits.
Why Interior Designers Need It
Interior design projects often involve:
High-value furniture, materials, and client assets
Coordination with contractors and vendors
Time-sensitive project delivery
Compliance with local building codes
Without professional liability coverage, a claim could threaten your personal and business finances. This type of insurance ensures that legal and settlement costs do not come directly out of your pocket.
How to Get a Professional Liability Insurance Quote
Securing professional liability coverage requires accurate information about your studio and services. To get a quote:
Provide details about your business, services, and project types
Specify your annual revenue and average project size
Disclose claims history, if any
Determine desired coverage limits
Request a reliable and customized quote from Wexford Insurance. Our team specializes in interior design businesses and can help structure professional liability coverage that protects your studio and your clients.
Investing in professional liability insurance allows designers to focus on creativity and client satisfaction, confident that their business is shielded from unexpected claims.
