What Kind of Insurance Do I Need for an Interior Design Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- 3 days ago
- 2 min read
Starting an interior design business is exciting—but it also comes with risks. Whether you're staging homes, designing commercial spaces, or consulting on renovations, having the right insurance coverage is essential to protect your business, your reputation, and your finances.
At Wexford Insurance, we specialize in helping interior designers secure tailored insurance solutions. We work with professionals across the industry—from solo designers to full-service firms—and we understand the unique risks that come with creative work.
Interior designers often work in clients’ homes or commercial properties, manage subcontractors, and handle valuable furnishings and décor. Without proper coverage, a single accident, dispute, or theft could lead to costly legal or financial consequences.
Essential Insurance Policies for Interior Design Businesses
This foundational coverage protects against third-party claims of bodily injury or property damage. For example, if a client trips over a sample board in your studio or a piece of furniture damages their flooring during installation, general liability insurance helps cover legal and medical costs
Also known as E&O insurance, this policy protects against claims of negligence, design mistakes, or failure to deliver services as promised. If a client sues over a layout that doesn’t meet building codes or causes delays, this coverage helps pay for legal defense and settlements.
If you use a vehicle for site visits, transporting décor, or meeting clients, personal auto insurance may not be enough. Commercial auto coverage protects your business vehicle and liability on the road.
Protects your office, studio, or inventory from fire, theft, vandalism, or natural disasters. This is especially important if you store samples, furniture, or electronics.
Required in most states if you have employees. It covers medical expenses and lost wages if a team member is injured while working on a project or in your studio.
Covers laptops, tablets, cameras, and design software used in your business. If your tools are stolen or damaged, this policy helps you recover quickly.
How Wexford Insurance Helps Interior Designers
We work exclusively with businesses in the interior design and professional services industry. Our team understands your workflow, your risks, and your goals—and we match you with insurance programs that specialize in interior design business insurance.
Whether you're launching a new firm or expanding your services, Wexford Insurance helps you stay protected and credible.
Final Thoughts
Insurance isn’t just a safety net—it’s a smart business strategy. With the right coverage, you can focus on designing beautiful spaces while knowing your business is protected from unexpected risks.
Ready to start your interior design business?
Contact Wexford Insurance for expert guidance and customized coverage.
