Interior designer insurance
Join over 900k UK customers (including interior designers like you) – we offer public liability cover from £4.74*
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![Interior designers looking at floor-plan](https://www.simplybusiness.co.uk/wp-content/uploads/sites/3/2024/05/interior_design_hero.jpg?w=1024)
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need interior design insurance?
From that initial chat to the final visit, your ideas and vision attract a wide range of clients. It’s not just your vision, though, and interior design professional indemnity insurance can step in to help, if there’s a contractual dispute. That, plus public liability insurance for injuries and damage, and protection for your employees, if you need it.
- professional indemnity insurance for interior designers
- cover for the specifics from employees and equipment to a personal accident
- peace of mind, letting you focus on the brief (not the what-ifs)
Insurance for interior designers – what does it cover?
We’ll start with interior design liability insurance, which can cover property damage or injuries to the public (including your client). You can also include employers’ liability cover – usually a legal requirement if you’re employing anybody – plus professional indemnity insurance which can cover mistakes in your work or breaches of contract.
Looking for interior decorator insurance? Switch over to our painter and decorator cover, for specific trade protection.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
How much does interior design business insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example interior design quotes, real prices
![](https://www.simplybusiness.co.uk//wp-content/uploads/sites/3/2024/05/maltings.webp?w=100)
£19.50 /month
£173.31 /year
A self employed interior designer who works on resiidential properties in the local area
- 2-3 years’ experience
- Sole trader
- No employees
- Based in Newcastle upon Tyne
Public liability
£1,000,000
Professional indemnity
£50,000
Contents & business equipment
£2,500
![axa](https://www.simplybusiness.co.uk//wp-content/uploads/sites/3/2024/05/axa.webp?w=66)
£136.38 /month
£1212.24 /year
A small interior design firm who help transform both residential and commercial spaces and up to 500,000 contract values
- 5+ years’ experience
- Limited company
- 2 employees
- Based in Edinburgh
Public liability
£2,000,000
Professional indemnity
£500,000
Contents & business equipment
£7,500
How we work out example quotes These examples are real quotes from our online system (created 16/04/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Professional indemnity | No excess | £2500 |
Public liability | £200 | £750 |
Contents | £100 | £750 |
Portable equipment | £100 | £500 |
Employers liability | No excess | No excess |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
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Only pay for what you need
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
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How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having interior design insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.
Ilona saved more than £8,900
While cleaning up after a contractor, Ilona (not her real name) tripped on some loose carpet, dropping bleach onto an expensive rug and causing a permanent stain. The public liability protection in her interior designer insurance helped cover the client’s accidental damage claim.
Insurance payout
£8,941.00
Covering the cost of accidental damage
Insurance payout
Covering the cost of accidental damage
Covering the cost of accidental damage
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Interior designers insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for interior designers. You can also check out our business insurance FAQs.
Professional indemnity insurance can be a key cover for many interior designers and decorating specialists – it’s built to cover you for mistakes and breaches of contract, or your client’s financial losses, if they claim that you’re responsible. Is there a risk that your client might have to delay their opening or go over budget, for example, because of your work?
Alongside professional indemnity insurance for interior designers, you may want to add cover for things like your essential business equipment, plus accidents and injuries caused by your business, with public liability insurance. And if you employ anyone (including contractors or temps), employers’ liability cover is usually a legal requirement.
Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re an interior designer, you may also do the odd garden design on certain jobs too – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy.
If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions