Interior designer insurance

Secure interior designer insurance quickly and without fuss. We're simply-priced, flexible and upfront.

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Insurance for interior designers UK
Insurance for interior designers UK
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The problem

Interior designers face many risks

Causing property damage

As an interior designer you shift, move and rearrange your client’s valuable furniture or artwork. You could be asked to pick up the replacement or repair costs, should you or your subcontractors accidentally cause damage.

Contractual disputes

Certain aspects of client contracts get often called into question such as payment terms or scope of work. Especially on larger projects these disputes can lead to legal claims.

Design mistakes leading to a costly mistake

Something as small as 1 inch out when taking measurements can lead to costly rework and delays to a project.

Accusations of not meeting the brief

Despite many consultations a client may feel your work isn’t what they were looking for. They might be asking you for a refund or more work for free.

Interior designer insurance UK

You need insurance for interior designers that effectively protects you from accusations of professional mistakes.

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Insurance made better

Self-employed insurance done fast, clear and upfront.

Interior designer professional indemnity insurance
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More flexible

Make changes instantly, easily and for free.

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

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Be confident knowing your cover is backed by trusted UK insurers.

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UK support

Get help when you need it from our Bristol based team.

Covers to consider

How much does interior designer insurance cost?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers interior designers should consider include:

Self employed professional indemnity insurance
Professional indemnity

from £7.41 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

Self employed professional indemnity insurance

Professional indemnity

from £8.63 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

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 +£9.24 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...

on Trustpilot
14 February

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...

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
Legal Expenses
Included as standard

With every policy subscription we also include Business Legal Protect. This means from the moment you sign up you gain immediate access to extra support services.

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

In detail

Liability insurance for interior designers

The profession of an interior designer is a tricky one. A client that hires you knows they want something better but look to you to define and design their dream space.

The high expectation without clear instructions is often the reason why interior designers get caught in disputes with their clients.

Interior design liability insurance is a good safety if a dispute escalates to a legal threat or even a court case. Luckily the latter is rare but legal threats do occur. The issue is that if your client’s solicitor is sending you letters, you’ll need to reciprocate.

That means seeking your own legal help and without the right insurance, it can be very costly. Especially if your client is stubborn and refuses to come to a reasonable agreement.

Liability insurance for interior designers in the UK usually consist of two covers - professional indemnity and public liability. The first one is essential for every interior designer, the second one depends on how much physical contact you have with your client and their property.

Professional indemnity insurance for interior designers

Clients hire professionals to solve a problem. Interior designers are very much in that line of business. Their expertise lies in creating beautiful spaces within defined budgets while meeting clients’ high expectations.

As a result there is a lot that can go wrong with a design project. Professional indemnity insurance for interior designers is a legal cover that will deal with financial compensation demands by dissatisfied clients. The demands could be in the form of a refund, ask to cover the cost of more work or compensation for other financial losses.

Do interior designers need professional indemnity insurance?

An interior designer can be accused of a myriad of things. Some have been already mentioned above such as not meeting the brief, going over budget, causing a delay or financial loss due to a professional mistake.

Those mistakes can stem from a simple oversight, failure to consider relevant building codes and regulations or incorrect material specifications. Whatever it is, a client will look to you to rectify the issue at your own cost.

If you resist because you firmly believe the fault lies with your client or someone else involved in the project, there is a possibility that your client may engage a solicitor to pursue their case.

Being in a dispute with a client is always unpleasant and a threat to your reputation. But it gets a whole lot more stressful when you have to hire legal help to deal with the issue. Having your own legal team provided by professional indemnity insurance can be a huge boost to your morale and bank balance.

Public liability insurance for interior designers

Accidents happen in every profession and interior designers are no expectation. Especially if you handle your clients’ possessions or bring other third parties to your clients’ properties, the risk of causing an injury or damage is higher.

Some interior designers are involved in day to day management of a project which often means being present at the property, possibly having keys and unlimited access. No matter how careful you are, it’s often difficult to think of every scenario.

Therefore protecting yourself with public liability insurance is essential. It’s a legal cover to help deal accusations of causing an injury or property damage associated with your business activities.

In this section

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.

Contact us
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If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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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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No longer need us? Cancel anytime, no more to pay.

* 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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