Interior Designer Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

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Interior designer insurance designed to protect your business

ERGO NEXT Insurance is a one-stop shop to help you get the interior designer insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our interior design business insurance packages typically include:

General liability
Professional liability (E&O)
Commercial auto
Workers’ compensation
Commercial property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for interior designer business insurance and save up to 10% when you bundle.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance for interior designers covers a wide range of accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by residential and commercial clients.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Real Estate E&O

Coverage against business mistakes and claims of negligence

Errors and omissions business insurance for interior designers (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of installing window treatments without the client’s approval, it could help cover related expenses to defend yourself or address the problem.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you pull out in front of another car when leaving a client meeting.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Coverage for workplace injuries

Workers’ compensation insurance can help if you get injured on the job. Just make sure you add business owner’s coverage to your policy.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

Good job.

Joe K.

New LLC

Reasonable rates for GL and PL! Helpful and quick service as well!

Susan G.

Amazingly Easy!!!

I was on the phone all afternoon with Hartford and Hiscox. Hartford hung up up on me before I could complete payment and Hiscox refused to insure my company. Then I filled out form...

Kevin D.

owner

fast, easy, efficient

Tina Z.

Easy to Get Started

Happy to have found Next! Super easy to get industry-specific coverage at about 40% less than I was paying elsewhere.

Lesley M.

Good job.

Joe K.

New LLC

Reasonable rates for GL and PL! Helpful and quick service as well!

Susan G.

Amazingly Easy!!!

I was on the phone all afternoon with Hartford and Hiscox. Hartford hung up up on me before I could complete payment and Hiscox refused to insure my company. Then I filled out form...

Kevin D.

owner

fast, easy, efficient

Tina Z.

Easy to Get Started

Happy to have found Next! Super easy to get industry-specific coverage at about 40% less than I was paying elsewhere.

Lesley M.

You can save up to 25% in discounts on interior designer insurance

You can pay for your interior design insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Professional Liability (E&O)

Per occurrence

$250,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does interior designer insurance cost?

Interior designer insurance costs vary based on the risks that your business faces, such as:

The types of design projects you work on
Where your clients are located
Your payroll and the kinds of jobs your employees do
The number and types of vehicles you use at work

Interior designer insurance requirements

Interior designers are almost always required to have liability insurance due to the risk of injury to clients and staff, as well as potential property damage. You might need insurance to:

Start work on a design project. Clients might ask you to have active insurance — usually general liability or workers’ compensation.
Hire employees. Most states require workers’ compensation.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about interior designer insurance coverage. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect interior designers?

Our interior designer insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

You accidentally break an expensive lamp while taking measurements in a client’s home. The general liability coverage in your insurance package could help pay for a replacement.**

Accidents that hurt someone

A client slips on some fabric swatches on the floor and injures their ankle. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

You incorrectly installed a lighting fixture by mistake. Professional liability coverage could help pay to redo the installation.

Workplace injuries

You strain your back while arranging furniture in a client’s home. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees.

Injuries and damage involving your business vehicles

You dent another car in the parking lot when arriving at a commercial client’s business. Commercial auto coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

Your office is robbed and several expensive electronics are stolen. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.