Interior designers face insurance challenges unlike those of other design professionals and, unfortunately, don’t often understand the risks they face or get the attention they deserve from insurance agents. Many interior designers believe that they are somehow immune to professional liability claims by not holding a professional license or because they aren’t stamping or sealing documents like an architect. This is not the case, and interior designers can see a claims frequency equaling that of even some engineering disciplines – claims that a general liability insurer would most likely deny based on that type of policy’s standard broad exclusion for professional services.
Interior designers also often require types of insurance other design professionals do not, like particular policies to cover loaned artwork to display in a showhouse, for a photo shoot, or custom-built furnishings in storage or transit between a fabricator and project site. Chadwick can place these types of policies, even on a short-term or temporary basis, and the full breadth of other policies commonly required of interior designers – general liability, umbrella, workers comp., and professional liability.