Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Aug 19, 2026.
GENERAL LIABILITY
Interior Design Services $28/month for general liability
WHY IT MATTERS
Why Interior Design Services need business insurance
Interior design work can involve client spaces, design recommendations, purchased materials and employees. The right mix of coverage can address different risks, subject to policy terms, limits and exclusions.
SCENARIO 1
A client trips during a consultation
A client trips over a sample case during an on-site meeting and is injured. General liability insurance may help with the resulting medical expenses and claim.
SCENARIO 2
A design error is alleged
A client claims that a specification or recommendation caused a costly project problem. Professional liability insurance may help address the allegation and related defense costs if that coverage is included.
SCENARIO 3
Samples are stolen in transit
Fabric books, fixtures or other business property are stolen while being transported to a project. Inland marine insurance may help cover eligible property if it is part of the policy.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Services offered
A broader scope of work, such as purchasing materials or coordinating contractors, can increase exposure and affect the quote.
Revenue and project volume
Higher revenue or more active projects can increase client interactions and may lead to a higher rate.
Employees and payroll
Adding employees or increasing payroll can raise the cost of workers' compensation and other applicable coverage.
Business property
More furniture, computers, samples or equipment generally means more property value to insure, which can increase the quote.
Claims history
Prior claims may lead an insurer to view the business as a higher risk and may increase the rate or change available terms.
Limits and deductibles
Higher limits can increase the rate, while a higher deductible may reduce it but leaves the business responsible for more of a covered loss.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
Rates and requirements vary by state and by carrier, even when two interior design businesses offer similar services.
Business location
The state where the business operates can affect available coverage, policy terms and rates.
Project locations
Working at client homes, offices, construction sites or multiple locations can change the type and level of exposure considered in a quote.
Contract requirements
Client, landlord or project contracts may request particular coverages or limits, which can affect the policy selected and its rate.
147
Quotes analyzed
34
States represented
2
Coverage lines
BEST RATE
How to get the best rate
Describe your services clearly
List the work you perform, including design, purchasing, installation coordination and any hands-on activities, so the quote reflects your actual operations.
Gather current business details
Have revenue, payroll, employee count, project types and claims history ready before requesting a quote.
Review contract terms
Check client and landlord agreements for requested coverage types and limits before choosing a policy.
Choose deductibles carefully
Consider how much your business could comfortably pay after a covered loss before selecting a higher deductible.
FAQ
Common questions
What insurance should an interior design business consider?
The appropriate mix depends on the services, employees, property, vehicles and contracts involved. Coverage may include general liability insurance, professional liability insurance, commercial property insurance, inland marine insurance, workers' compensation or commercial auto insurance, subject to policy terms.
Does general liability insurance cover design mistakes?
General liability insurance generally is not intended to address claims based solely on professional design errors. Professional liability insurance may respond to eligible allegations involving professional services, depending on the policy terms and exclusions.
Do independent interior designers need business insurance?
Independent designers may need coverage to address client injuries, property damage, professional allegations or business property losses. Contracts may also request particular coverages or limits, and requirements vary by state and by carrier.
What affects the cost of interior design business insurance?
The quote can be affected by services, revenue, project volume, payroll, employee count, property values, claims history, selected limits and deductibles. The state of operation and the carrier can also affect the rate and available terms.
How can I request an interior design business insurance quote?
Get a free business insurance quote by providing accurate details about your services, projects, employees, revenue, property and coverage needs. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work.