Interior Design contracts can extend beyond design advice to product supply, trade coordination and installation. Professional Indemnity Insurance should not be assumed to cover every responsibility accepted by the business.

Which clauses can create insurance issues? #

Examples include broad indemnities, fitness-for-purpose obligations, guarantees of outcomes, unlimited liability, responsibility for contractors, cost or completion guarantees and warranties extending beyond normal professional duties.

A contract may impose liability the Interior Designer would not otherwise have at law. That additional liability may not be fully insured.

What if furniture or products are supplied? #

Product supply can create exposures requiring Public and Products Liability, stock, transit or Marine Cargo cover. Product Recall Insurance may also be relevant in some circumstances.

Imported or private-label products should be specifically disclosed.

What if trades are coordinated? #

Project management, construction coordination, supervision or engaging trades can change the exposure. These activities should be disclosed and may require additional liability or Design and Construct cover.

Can Webber Insurance review the contract? #

Webber Insurance can provide a high-level review of insurance requirements and identify matters that may affect placement or coverage.

We do not provide legal advice. A detailed contractual insurance review can be arranged where interpretation, negotiation or amendments are required.