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Interior Designers

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What is Run-Off Cover

Last Updated: July 29, 2025

Run-off cover is a type of insurance that kicks in after you stop working, retire, or sell your business. Run-off cover extends a claims-made insurance policy, protecting you against claims that arise from past work, even when you are no longer operating.  It’s most often used with Professional Indemnity Insurance, which only responds to claims made during the policy period. Without run-off, you could be left exposed if a client brings a claim months or even years after your last job.  Run-off can usually be arranged as an annual policy or paid up-front for multiple years. It has a step-down premium calculation, with a rough indication being that for 7 years of run-off cover, the premium will be around 4 times your last insurance premium. For example, your final year premium is $2,000. To obtain 7 years of run-off coverage, the premium will be approximately $8,000. If only one year of run-off cover is required, the premium is generally the same as your final year’s premium, which in this case would be $2,000. ** Note that each insurer operates differently and may offer amounts that differ from the indicated amount. **  Run-off is a smart way to protect your legacy...

Does Webber Insurance have a Scheme or Specialist Policy available for Interior Designers

Last Updated: May 26, 2025

Yes – Webber Insurance provides access to a specialist insurance policy tailored for Interior Designers. This policy includes wording specific to the interior design profession, addressing the unique blend of creative, advisory, and commercial risks associated with design work. Our offering features competitive premiums and flexible cover options, suited to a wide range of services within the profession. Webber Insurance is proud to be the preferred insurance partner for several leading professional associations, including: Design Matters National (DMN)  Building Designers Association of Australia (BDAA)  Building Designers Queensland (BDQ)  These association-endorsed insurance schemes offer policy coverage that meets interior designers’ professional standards and regulatory obligations. Benefits include streamlined application processes and insurer familiarity with the specific services typically offered in this field. If you’re a member of one of these associations, we can help you access the appropriate scheme and ensure compliance with any insurance requirements. We also offer a dedicated Interior Designer Scheme for non-members, providing the same level of expertise and support. Our team will take the time to understand your circumstances and recommend the most suitable cover for your needs.