---
title: "How do claims-made cover and retroactive dates work for Interior Designers?"
description: "Interior Designer Professional Indemnity is generally claims-made cover, making notification, retroactive dates and continuous insurance important."
url: "https://www.webberinsurance.com.au/help/industries-we-cover/interior-designers/interior-designer-claims-made"
updated: "2026-10-07"
category: Industries We Cover / Interior Designers
---

# How do claims-made cover and retroactive dates work for Interior Designers?

Professional Indemnity Insurance for Interior Designers is generally written on a claims-made basis. A claim can arise months or years after the project was completed.

## What does claims-made mean?

Broadly, the policy in force when a claim is made, or a relevant circumstance is notified, is usually considered, subject to its wording and applicable law.

Notify Webber Insurance promptly about significant complaints, alleged errors, project disputes or demands for rectification.

## What is a retroactive date?

The retroactive date identifies how far back covered professional services may have been performed. It may be a specified date, the date Professional Indemnity was first arranged or unlimited.

The applicable date should appear on the policy schedule.

## Why can claims arise later?

An issue may only become apparent after products are installed, construction progresses, costs increase or the client identifies an alleged design problem.

## What if the insurer changes?

Accepting a later retroactive date can create a gap for previous projects. Provide the expiring schedule and insurance history when arranging replacement cover.

## What happens if the business closes?

Claims may still arise from earlier work after the business stops trading. Run-off Professional Indemnity Insurance may therefore need to be considered before cancelling cover.

  **General Advice Warning:** The information on this page is general in nature and does not take your personal circumstances into account. You should consider whether it is appropriate for you and seek professional advice before making any decisions. For tailored advice, please contact Webber Insurance Services.