When it comes to insurance for your interior design business, you want your coverage to match your taste. With a PolicySweet® Business Owners Policy, we’ll make sure your coverage is functional as it is unique. From General Liability to Workers’ Compensation, each interior design insurance policy is designed with your needs in mind to help protect against a variety of claims.
Coverage Types for Interior Decorators:
BOP
A BOP is recommended for many small business owners and interior designers. It is typically one of the most cost-effective ways to help protect your business against risks. It bundles three insurance policies together including general liability, business property, and cyber-risk insurance.
Commercial Liability Insurance
General liability coverage might be required if you rent or own a commercial space. It might also be a good idea if you frequently interact with customers, clients, or vendors. It could help protect your business in the event of claims for third-party property damage, bodily injuries, and advertising injuries.
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GENERAL LIABILITY INSURANCE
Business Property Insurance
This type of coverage can help protect businesses and their owners if there is a fire, burglary, or other covered event. It can cover repair and replacement costs as well as lost income if your business is unable to operate due to property damage.
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PROPERTY INSURANCE
Cyber Insurance
Help protect your business in the event of computer-related crimes and losses. If your business is impacted by a data breach or cyber-attack it could be responsible for paying legal fees and expenses for notifying impacted parties.
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CYBER INSURANCE
Workers’ Comp
For business owners with employees, Workers’ Compensation coverage could be crucial if an incident occurs at work and an employee becomes injured or ill. Medical bills and wage replacement for those who experience an illness or injury could be covered.
HomeHQ
Want to help protect your home-based business? Most homeowners’ or renters’ policies do not protect business assets if you own or operate a business out of your home. HomeHQSM could protect your business in the event a lawsuit is made against your business for third-party claims, and it could cover replacement costs for damaged business property.