Professional Indemnity Insurance for Interior Designers
We all nurture a dream of a beautiful home with a lush green garden and beautiful interior. An Interior designer helps in realizing the same. However, while designing the home, interior designers may commit errors that may lead to financial claims.
Public Liability Insurance for Interior Designers
If you or any of your employees visit a customers premises your actions could cause an injury to another person. Similarly, if an accident happens whilst a member of the public comes to your place of business and they are injured you could be held liable. Public Liability Insurance protects you in the event that such accidents occur and a claim is subsequently made against you.
Public liability insurance also covers you if damage is caused to third party property while at the customers business. An example would be if an employee broke a valuable item while making a delivery at a customer's home. The claim to replace the item would be covered by public liability insurance.
Why do Interior designers need professional indemnity insurance?
Interior designers plan new interiors and changes to existing ones in commercial buildings and single and multi-family dwellings. Their responsibilities vary from one project to another but, in general, interior designers:
- Identify and analyze client needs and goals, safety requirements, budget limitations and project schedules
- Prepare preliminary plans and design concepts for clients
- Estimate costs and prepare budgets
- Develop presentations which may include drawings, sketches, renderings, perspectives, colour and material boards, photographs or models
- Prepare tender documents, co-ordinate the bid process and assist clients in awarding contracts
- Collaborate with professional and technical consultants
- Review and evaluate projects on behalf of clients, during implementation and upon completion
If a client suffers a loss as a result of a design or related advice provided by you, you might find yourself on the wrong end of a lawsuit. Without Interior Designer professional indemnity insurance, you may be personally liable to pay compensation and legal fees related to a claim.
Key exposures for Interior Designers:
- Failure to deliver in accordance with the clients instructions
- Incorrect preparation of plans and specifications
- Incorrect Interpretation of Clients needs
- Failure to comply with government regulations such as for people with disabilities, environmental e.g. impact on ventilation and waste disposal, flammability of fabrics and materials
- Misleading, incompetent or inappropriate conduct
- Activities that exceed the designers authority e.g. removing a load bearing wall that leads to a building collapse
- Misunderstandings about who is responsible for contracting out certain parts of the design to other professionals such as architects and/or construction consultants and any additional costs not budgeted for
Why purchase your Professional Indemnity Insurance through Express Insurance?
With Express Insurance, you can source a PI quote in seconds, and have the option of adding Public Liability Insurance. You can then proceed to buy the insurance and produce your Certificate of Insurance in minutes, or alternatively save the quote back to your email account for buying later.
And we save your details on Renewal of your insurance, making the process of renewing your PI Insurance even easier and quicker.
Throughout your experience with us our team of highly experienced PI specialists are a phone call away !
Please Note: Coverage under the policy will be subject to the particular circumstances relating to a claim and the full terms and conditions of the policy.