Insurance for interior designers, if it’s to give you the real peace of mind you want, has to cover a range of different risks. Just think about it.
From choosing colour schemes, fabrics and furniture, to recommending structural alterations, to selecting and supervising contractors, there’s more than one job that most interior designers actually do. However, in every aspect of your role, you’re offering a professional service. And that makes you potentially liable if the client doesn’t think you’ve been as professional as you should have been.
Just suppose you interpret a client’s brief wrongly and a room you’ve refashioned fails to meet the requirements. Or a supplier you’ve engaged, or even just recommended, fails to deliver what was promised. You could find yourself the target of a legal action.
Even if it’s not your fault, you could still be faced with significant lawyers’ bills just to prove the point. And if the case goes against you, you could find yourself having to fund expensive remedial work or a substantial compensation claim.
That’s why your interior designers insurance should definitely include professional indemnity cover.
Working at a client’s premises, you also face a constant risk of causing accidental damage. If you have the misfortune to break something that is particularly valuable, you’ll be very relieved if you’ve also included public liability cover in your interior design insurance package. Because if you haven’t, you’ll be footing the bill.
There are other types of cover you might want to consider too. If you have any staff, you’ll definitely need employers’ liability insurance. It’s a legal requirement. But you should also ask yourself what you would do if expensive furnishings or fittings you were holding on behalf of a client were to get stolen. Or if you found yourself unable to work as a result of illness or injury.
With the right interior designer insurance, you can cover yourself against all of these eventualities and more. And all you have to do to find that insurance is call 01480 470220 or email info@coulsonpritchard.com .
