Professional Indemnity Insurance can cover a broad range of Interior Design, decoration and styling services where the complete scope of work is disclosed to and accepted by the insurer.

Services can include #

• Interior design concepts and advice
• Space planning
• Layout design
• Plans and design documentation
• Colour and finishes selection
• Furniture and fixture specification
• Lighting selection and layouts
• Window treatment advice
• Styling and decoration
• Mood boards
• Digital modelling and 3D rendering
• Schedules and specifications
• Procurement assistance
• Supplier coordination
• Consultant coordination
• Trade coordination
• Site visits
• Progress observations
• Interior project management
• Contract administration

Which activities can create additional exposures? #

These can include:

• Building design
• Architectural services
• Structural changes
• Engineering advice
• Building approval documentation
• Building certification
• Construction or installation work
• Direct engagement of trades
• Importing or supplying furniture and products
• Taking responsibility for subcontractors or construction outcomes

Professional Indemnity Insurance primarily addresses professional-service exposures.

Public and Products Liability Insurance can also become relevant where the business visits sites, supplies products or undertakes or arranges installation activities.

The policy should accurately reflect whether the Interior Designer:

• Provides advice only
• Supplies products
• Coordinates trades
• Engages subcontractors
• Takes responsibility for physical work

Webber Insurance has a specialist facility for Interior Designers.

Contact our team before materially expanding the services provided by the business.