Decorator Insurance

Commercial property insurance protects your design studio or warehouse, sample inventory, furniture, tools, computers, devices, and other office content from damage that may arise from theft, vandalism, fire, falling or flying objects, and extreme weather damage.

Professional liability coverage, also known as errors and omissions, protects design professionals against claims alleging mistakes, negligence, or a failure to deliver promised interior decorating services. For example, if you advise on an interior layout that fails to meet building safety standards and a client files a lawsuit against you, this policy will cover your legal fees and settlement costs.

If you use your personal vehicle to deliver items, visit sites, or have a fleet of vehicles that your employees use, you’ll need commercial auto insurance. Personal car insurance does not extend coverage to vehicles that are used for business purposes. Therefore, to ensure you and your employees are properly covered, commercial auto is a must.

Cyber liability is recommended if you store customer information, use online invoicing, or maintain files/portfolios digitally. Cyber liability insurance helps protect you in the event of a cyber breach, against ransomware, and data loss. If a cyber attack occurs, this policy will cover the cost of customer notification, legal fees, and recovery costs.

Legal expense insurance helps cover the cost of legal advice and representation if you get pulled into a dispute related to your work, such as disagreements over contract terms, missed deliverables, scope changes, or payment issues with a client or contractor. It can also support you if a conflict escalates into a formal claim, helping with eligible lawyer fees and certain legal costs, so you are not funding the process out of pocket. This coverage is especially valuable in project-based work where timelines, budgets, and expectations can shift quickly and create friction. Policies vary, but many include access to legal counsel early in a dispute, which can help resolve issues before they turn into expensive litigation.

Business interruption coverage provides financial compensation for lost revenue, employee wages, rent, utilities, and other ongoing costs if your storefront is forced to shut down temporarily following a covered loss.

Tools and equipment insurance protects the gear you rely on to do your work by covering eligible repair or replacement costs if your tools are stolen, lost, or damaged at a job site, from your vehicle, during transit, or from your studio/storefront. It is especially useful for interior decorators and contractors who carry high-value items like laser measurers, drills, specialty hand tools, cameras, tablets, and other job-critical equipment that may not be fully covered under standard property policies. Coverage typically includes a deductible and item limits, and insurers may require reasonable security measures such as locked storage or proof of ownership.

An installation endorsement (often called an installation floater) is designed to protect the materials, furnishings, and items you’re responsible for while they’re in your care during a project. It typically applies when items are in transit, temporarily stored, or staged at a client site before final installation, which is a common gap for interior decorators and designers who source products on behalf of clients. In other words, it helps bridge the “gray area” between when something leaves a supplier or your studio and when it’s fully installed and handed over.