Workers’ Comp Insurance Requirements for Interior Design Businesses
- 3 days ago
- 2 min read
Interior design studios often employ assistants, project managers, and administrative staff. Protecting these employees is not only responsible—it’s required by law in most states. Understanding workers’ comp insurance requirements for interior design businesses ensures compliance and safeguards your studio against workplace injury claims.
Organizations like the Occupational Safety and Health Administration emphasize workplace safety and proper insurance coverage as essential for creative businesses.
Are Interior Design Studios Required to Carry Workers’ Compensation?
Most states mandate workers’ compensation insurance for businesses with employees, including interior design studios. Requirements typically depend on:
Number of employees
Business entity type (LLC, corporation, sole proprietor)
Whether the owner participates as an employee
Even part-time or freelance employees working regularly in your studio may trigger coverage requirements. Sole proprietors without employees may not need coverage, but once staff is on payroll, compliance is mandatory.
What Workers’ Comp Covers in Interior Design Studios
Interior designers face workplace risks such as:
Back and shoulder injuries from moving furniture and materials
Cuts, slips, and falls at client sites or in the studio
Repetitive strain injuries from drafting, computer work, or installations
Accidental exposure to paint, adhesives, or other chemicals
Workers’ comp insurance typically covers:
Medical expenses related to workplace injuries
Lost wages during recovery
Rehabilitation costs
Disability benefits
Legal protection against employee injury lawsuits
How Much Does Workers’ Comp Cost?
Premiums for interior design studios vary based on payroll, employee classification, and state regulations. Small studios often pay:
$500 – $2,000 annually, depending on staff size and payroll
Larger studios or high-risk operations may see higher premiums
Implementing safety protocols and ergonomic practices can help reduce premiums.
Reducing Workplace Risk
To manage costs and protect employees:
Provide ergonomic training for staff handling furniture and materials
Maintain a clean, organized studio
Document safety procedures for installations and site visits
Encourage prompt reporting of injuries
Get a Customized Workers’ Comp Quote
Proper workers’ compensation coverage protects your employees and shields your interior design business from costly lawsuits.
Request a reliable and customized quote from Wexford Insurance. Our team understands the unique exposures of interior design studios and can help you secure competitive, compliant coverage.
Protecting your employees ensures your studio operates smoothly, safely, and in compliance with state regulations.
