Interior Designer Insurance Coverage Checklist
The coverages an interior designer business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for interior designers and decorators. Priorities reflect typical exposure; confirm against purchasing and installs.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability (E&O) | Covers claims from design and specification errors. | Core | |
| General Liability | Covers damage to client homes and injuries during installs. | Core | |
| Inland Marine / Goods in Transit | Covers client furniture and staging inventory in transit and storage. | Prevalent | |
| Crime / Fidelity | Covers theft of client deposits by employees. | Situational | |
| Hired & Non-Owned Auto | Covers staff driving to sites and picking up goods. | Prevalent | |
| Workers' Compensation | Covers employees who measure, deliver, and install. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is goods the designer buys for clients. When furniture is lost, damaged in transit, or never arrives after the vendor fails, the client looks to the designer — and E&O and general liability usually won't pay. Designers who buy for clients should insure goods in transit and storage and set out in the contract who bears vendor and shipping risk.
Send us the checklist and we'll review your interior designer coverage line by line, then market it across multiple carriers that compete for your account.
Related: Interior Designer Insurance · Interior Designer Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an interior designer business need?
The core coverages for an interior designer business are Professional Liability (E&O), General Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my interior designer coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.