An Interior Designer insurance quote generally requires information about the business, services, projects, products and use of contractors.

Information commonly required #

This can include:

• Legal and trading names
• Business structure and locations
• States and territories where services are provided
• Professional services
• Annual professional fees
• Typical and maximum project values
• Largest project or professional fee
• Residential, commercial, retail or hospitality work
• Qualifications and experience
• Employees and contractors
• Whether trades are coordinated or directly engaged
• Whether installation or construction work is undertaken
• Products sold or supplied
• Revenue from product sales
• Products imported
• Countries from which products are sourced
• Stock or client goods held
• Required Professional Indemnity and Public Liability limits
• Current and previous insurance
• Retroactive date
• Claims history
• Known circumstances

What additional information can be required? #

Depending on the business, insurers may also request:

• Client contracts
• Subcontractor agreements
• Evidence of subcontractor insurance
• Details of larger projects
• Quality assurance procedures
• Client approval processes
• Details of imported or custom-made products

The insurer needs to understand the complete business model.

A designer providing advice only presents a different risk from a business that supplies products, manages project budgets or engages installation contractors.

Contact our team if you need help preparing an Interior Designer insurance submission.