Coverage for Interior Design Practice
Structured around how interior designers plan, specify, and coordinate spaces, and how risk presents across that work.
Interior designers shape how spaces function and are experienced. Their work often includes layouts, material selections, lighting coordination, and in some cases, procurement and installation.
Exposure can arise from both design and execution. A specified finish that performs differently than expected, coordination with contractors that affects timing, or responsibilities that extend into procurement.
We review how your practice operates before making any recommendation.
Where Exposure Tends to Arise
How Risk Typically Presents in Interior Design Work
Design & Space Planning
Layouts and design decisions affect how a space functions. Issues may arise if the final outcome differs from expectations or intended use.
Material & Finish Selection
Selections influence durability, safety, and appearance. Differences between specified and installed materials can lead to disputes.
Vendor & Contractor Coordination
Interior designers often coordinate with contractors, suppliers, and fabricators. Gaps in communication or responsibility can affect project outcomes.
Procurement & Installation
Where designers are involved in sourcing or installing furnishings, exposure may extend beyond design into logistics, timing, and product performance.
What We Place
Coverage Typically Considered for MEP Engineers
Coverage is considered based on how your firm practices, how your contracts are structured, and the types of projects you take on. All coverage is subject to the terms, conditions, and limitations of the policy as issued.
General & Property Liability (BOP)
Helps respond when someone claims your business caused bodily injury or property damage.
Commercial Auto
For vehicles owned, leased, or used by the business.
Workers' Compensation
For covered employee injuries tied to work. This can include office injuries, travel-related work injuries, or incidents during job site visits.
Professional Liability
Helps respond when a client alleges your professional services caused a financial loss, project issue, or other damages.
Umbrella Liability
Sits above multiple underlying policies and responds when primary limits are exhausted.
Excess Liability
Extends the limits of a single underlying policy without changing its terms.
Cyber Liability
Cyber LiabilityAEC firms carry more data exposure than most expect. Responds to costs from a covered cyber incident.
Worth Reviewing
How Contracts Affect Coverage
Interior design agreements often define scope, deliverables, and responsibility for procurement or coordination. These terms can influence how exposure is allocated.
Contract insurance requirements or expectations around installation and vendor management are worth reviewing against your actual policies before work begins.
The Process
How We Approach It
From initial conversation to structured recommendation, every step is deliberate.
Step 1
Understand Your Practice
We review the types of projects you take on, how services are delivered, and where your responsibilities begin and end.
Step 2
Review Existing Coverage
We look at current policies, including limits, exclusions, and structure, against how your firm operates.
Step 3
Align Coverage and Contracts
We consider how your coverage supports your agreements, including any procurement or coordination responsibilities.
Common Gaps
Before You Review Your Program
The most common issue is not whether coverage exists. It is whether it reflects how the work is performed. Professional liability policies that do not align with the scope of services, vendor responsibility assumptions that are not clearly defined, procurement or installation involvement that extends beyond what coverage is structured to address.
These issues tend to surface when a claim is reviewed, not before.
Start the Conversation
Want to See How Your Program Holds Up?
Tell us about your firm and the work you take on.
We'll take a look and share what we find.