Interior designer insurance

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Insurance for interior designers UK
Insurance for interior designers UK
Insurance for interior designers UK
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What is interior designer insurance?

Interior designer insurance is not a single product but rather a combination of insurance coverage options to meet your design business's unique needs.

Much of an interior designer’s work involves providing advice, so professional indemnity insurance should be one of the primary covers you get. It is also important to consider public liability insurance, as interior designers work on client sites and interact face-to-face with clients. Electronic business equipment insurance can be helpful if you travel with costly computer equipment.

How much does interior designer insurance cost?

Interior designers can secure professional indemnity insurance from £7.67 per month. Cost varies depending on the required insurance limits, business size, and claims history.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £9.54 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £20.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £22.78 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included
Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

Chezza
on Trustpilot
14 February
Great!

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

Mokolada
on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do interior designers need insurance?

Being an interior designer is a challenging profession. Clients who seek your services desire improvement but rely on you to create and bring their dream space to life. The lack of clear instructions and high expectations often lead to disagreements between interior designers and their clients.

Causing property damage

As an interior designer, you may need to shift, move, or rearrange your client's valuable furniture or artwork. Your client may allege that a scratch or breakage was caused by you or your subcontractors asking you to pay repair or replacement costs. While you may feel that is not fair, your client may pursue a legal claim against you.

Contractual disputes

Client contracts often face scrutiny on payment terms and scope of work, particularly on more significant projects, which can result in legal claims.

Design mistakes leading to a costly mistake

Even a tiny discrepancy, such as being an inch off when taking measurements, can lead to expensive rework and project delays. However, sometimes these inaccuracies might come from unclear instructions. And yet you may be held liable for the extra costs.

Accusations of not meeting the brief

Despite multiple consultations, a client may feel dissatisfied with your work, leading them to request a refund or additional work for free. If you refuse, you may receive a legal demand for compensation.

What is interior design liability insurance?

Interior design liability insurance encompasses multiple legal liability products, including public liability, professional indemnity, employers' liability, and commercial legal expenses insurance. These products safeguard interior designers from potential legal actions and associated costs.

Depending on your specific needs, purchasing one or more of these insurance products may be necessary to ensure comprehensive coverage for your business activities.

Professional indemnity insurance for interior designers

Professional indemnity insurance protects interior designers from accusations of professional mistakes, negligence or failing duty of care.

Interior designers are experts in creating visually appealing spaces that fit within a predetermined budget, all while meeting the expectations of their clients. 

It's essential to consider the potential consequences if your advice leads to a dispute with a client. In such a situation, the costs could be significant. That's why it's worth considering professional indemnity insurance, which can be affordable and provide valuable protection if you need to defend yourself.

What does interior designer professional indemnity insurance cover?

Professional indemnity insurance protects interior designers from claims or accusations of wrongdoing from their professional advice or work product.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example:

  • You’ve agreed with a client all measurements but when it came to fitting, the supplied materials or furnishing wasn’t right. The cost of new materials and labour may become the subject of a legal dispute if you refuse to pay it.
  • You may be asked to refund all fees because what you’ve delivered has not met your client’s expectations. Sometimes it’s the best course of action. Other times, especially if the fees are substantial, you may want to say no. However, your client may decide to take you to court. 

What professional indemnity limit do interior designers need?

When choosing a professional indemnity limit, it's important to consider a few key factors. These include whether your contract specifies a liability limit, such as £1,000,000, and the total value of your client contracts in recent years. You should also consider potential costs if your work results in damages, who the end consumer of your work will be, and the potential costs to your client if you cannot deliver on time. 

Switching your professional indemnity insurance

In the UK, cancelling a professional indemnity policy means you cannot make claims against it. 

Hence, when changing your interior design insurance provider, ensure that your new policy includes coverage for your previous work, known as "retroactive cover".

Should I keep professional indemnity insurance if I close my interior design business?

It’s wise to keep your professional indemnity if you close your interior design agency. Claims against professional misconduct can surface months or years after you delivered the work. 

If a past client sues you for damages and you have cancelled your professional indemnity, you will not be covered.

How long you keep your cover in place is up to you; consider the type of work you did and the likelihood that a client might bring a claim against you. 

Public liability insurance for interior designers

Public liability insurance shields interior designers from claims of injuries or property damage.

Interior design work requires significant in-person interaction and on-site design implementation. Unfortunately, this increases the risk of potential third-party injuries or property damage. 

Public liability is an inexpensive protection against compensation claims following unfortunate incidents such as slips, falls or causing damage to a third party’s property. 

What does interior designer public liability insurance cover?

Public liability insurance is valuable when faced with injury claims and compensation demands.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • An accident resulting in damage to expensive furniture or carpets could cost thousands of pounds. Even though you believe it shouldn’t be your responsibility, your client may demand that you pay.
  • During interior design a lot of work goes on with materials and equipment lying about all over the place. Next thing you know, a letter from a solicitor arrives inviting you to pay someone’s medical bills they incurred as a result of a fall over your equipment.

Other insurance interior designers buy

As an interior designer, you may need to consider additional insurance policies depending on your circumstances. Could you handle a legal dispute if it arises? How would negative publicity impact your business? Do you have the financial means to replace a lost, stolen, or damaged computer? And if you become ill, how would you cover your business expenses?

Commercial legal expenses

Most commercial legal expenses insurance will protect interior designers against various tax and legal issues you may encounter due to your profession, which are not covered by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist interior designers in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect offers qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You are facing an investigation from a professional body
  • You need legal help chasing a significant unpaid invoice
  • You’re being taken to court for breach of contract

Electronic business equipment insurance

Nowadays, interior designers heavily rely on electronic equipment to provide their services. If your business depends on electronic equipment, it's recommended that you consider getting electronic business equipment insurance to protect your assets.

Income protection insurance

Additionally, income protection insurance is a type of coverage that ensures your earnings are protected in the event that you become too ill to work. It's worth considering to ensure financial security during unforeseen circumstances.

Interior designers we insure

Suited offers comprehensive insurance policies that cater to the needs of a wide range of interior designers, including:

  • Bathroom designers (non-structural)
  • Garden designers (non-structural)
  • Kitchen designers (non-structural)
  • Lighting designers
  • and more..

Shopping for interior designer insurance

When considering interior designer insurance options for your business, it's important to consider the following factors. 

Cheap interior designer insurance

It's not just about cost - you want to choose a trustworthy provider. Suited offers multiple communication channels to ensure you feel secure about your coverage.

The reputation of the insurer is important

Insurance is crucial in times of need, so it's important to consider the payout reputation of your insurer. Suited partners with financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Be aware that some insurers may offer low initial prices but tack on extra charges for monthly payments, policy amendments, or cancellations. At Suited, we don't charge any additional fees, and you can cancel at any time without further costs.

Some policy wordings are restrictive or have a high excess

Remember that some providers may offer lower prices but less comprehensive coverage when comparing coverage options. Suited's professional indemnity and public liability policies have a £0 excess.

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FAQs

Common questions

What are interior designer insurance requirements?

Legally there aren’t any specific requirements but you may find that your client or a professional body of which you’re a member.

Do interior designers need insurance?

Clients hire Interior designers for their skill and expertise they themselves don’t have. That kind of responsibility comes with certain risks and an interior designer should have an appropriate safety net if something goes wrong.

What insurance do interior designers need?

Professional indemnity insurance for interior designers is a recommended cover as it’s designed to deal with claims resulting from professional negligence and mistakes. Other covers depend on the nature of the business activities.

Where to find business insurance for interior designers?

Interior design business insurance can be either bought online directly from a provider or via broker. The latter is usually required if your services are more complex and include structural aspects.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Interior designer professional indemnity insurance
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Go retroactive

Include retroactive cover to insure previous work.

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If you call to cancel within the first 2 weeks we’ll give you a full refund.

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* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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