Interior Designer
Insurance
Specialist business insurance for interior designers, from £4.47* per month.
- Professional indemnity up to £1m
- Public liability for interior designers
- Get an instant quote online
- Join over 180,000 customers**
From only £4.47* per month
Save 10% Onlineˆ
What does interior design insurance cover?
Our insurance for interior designers is built to support professionals working across the design and property industries—from freelance stylists and decorators to small design studios managing complex renovation projects. Whether you’re working independently or leading a small team, this policy ensures you’re protected while planning layouts, sourcing materials, and transforming spaces for your clients.
The core cover includes public liability, with limits of up to £5 million. This helps safeguard you against claims of injury or property damage that may occur during your work. It’s excellent value for essential business protection, allowing you to operate with confidence while focusing on your clients’ needs.
Our interior designer insurance is flexible and can be tailored with optional add-ons such as professional indemnity, equipment cover, personal accident protection, and legal expenses. So, whether you’re working from home, on-site with contractors, or managing a growing interior design practice, your policy can evolve with you and your work.
Make sure you have the correct insurance for your profession and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public & Products Liability
Professional Indemnity
Employers' Liability
Equipment
Personal Accident
Public Liability and Products Liability
- From £1 million to £5 million of cover.
- Protection from claims by a third-party who gets injured during a session or has their property damaged.
Professional Indemnity
- From £100,000 to £1 million of cover.
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Business Equipment
- Up to £25,000 worth of cover
- Cover is provided on a new-for-old basis for items under three years old, meaning that regardless of whether you have had the item for three months or three years, we will replace it with a brand-new equivalent if the damage is irreparable.
Personal Accident
- Protection from workplace accidents.
- A selection of incidents can be claimed for under this benefit, including accidental death, permanent total disablement and temporary total disablement.
Overseas Extension
- Work abroad for up to 30 days a year.
Select European Union or Worldwide (excluding the USA & Canada).
Legal Expenses
- Access to a legal helpline and a counselling service in addition to legal defence costs.
- The cover can be upgraded further to include employment disputes, property disputes, health and safety disputes and more.
- Expertise out of your scope of work.
- Businesses with more than 5 employees
- Damage to electronic data
- Wear and tear of equipment
- Operating in the US and Canada
- Anyone aged 16 or younger working for you
For further information on exclusions in your cover, please refer to the policy documentation.
Why do interior designers need liability insurance?
As an interior designer, your role goes far beyond selecting fabrics and arranging furniture. You’re responsible for functionality, compliance, budget management, and often providing strategic advice on space planning. Despite your best efforts, not every project runs smoothly. That’s why specialist insurance for interior designers is so important.
Having the right cover ensures that if a client brings a claim against you—whether for a design that didn’t meet expectations, a missed delivery deadline, or advice that led to extra costs—you’re supported. Even the most experienced professionals can face disputes, and insurance is there to help protect your reputation, your finances, and your future.
UK interior designer insurance can help protect you in the following situations:
Public liability cover
Even in a client’s home, a showroom, or studio space, accidents can happen. For example, if a client trips over a fabric roll, toolbox, or sample board during a site visit, you could be held legally responsible.
Public liability insurance protects you from the legal and financial fallout of such incidents, covering compensation claims and legal expenses—so you’re not left footing the bill.
Professional indemnity insurance
Imagine you recommend a specific flooring material, but after installation, it begins to warp due to poor suitability. The client may claim your advice caused them financial loss or disruption—even if it wasn’t entirely your fault.
Professional indemnity cover is designed for these scenarios. It helps cover legal defence costs and any compensation owed, so you can keep designing with confidence.
Equipment cover
Your tools of the trade—like your laptop, CAD software, camera, and measuring equipment—are essential to running your business. If these are lost, stolen, or damaged on-site or in transit, it could bring your work to a halt.
Equipment cover helps replace these items on a new-for-old basis, so you can continue your projects with minimal disruption.
Personal accident cover
While interior design isn’t traditionally high-risk, working on-site can involve lifting, ladder use, or long hours on your feet. Injuries from falls, strains, or accidents can still impact your ability to work.
Personal accident cover provides financial support during recovery, helping you manage your income and living costs while you take the time you need to return to work.
Our experts explain why...
“Interior designers do far more than pick colours and arrange furniture—they shape the way people live and work in a space. From managing complex timelines to advising on material choices and spatial layouts, their work requires both creativity and accountability.
That’s why our interior designer insurance is built to reflect the real risks of working in the design industry. Whether you’re a freelancer designing bespoke interiors or a small studio managing large-scale refurbishments, our cover offers support when it matters most—from claims of negligence to disputes over results.
Our goal is to give interior designers the confidence to focus on their craft, knowing they’re backed by flexible protection that grows with their business.”
Chris Trotman, Protectivity Underwriting Manager
How much does interior designer insurance cost?
At Protectivity, designer policies start at just £4.47 per month.*
Interior designer insurance is a cost-effective way to protect your business, equipment, and reputation—often for less than the cost of a single design consultation.
Several factors influence the price of your policy. If you use specialist tools, work with high-profile clients, or consult on construction-related matters, you may require a more comprehensive level of cover. Optional extras like equipment protection, personal accident cover, or employers’ liability can be added to meet your specific business needs.
Ultimately, investing in interior designer insurance helps safeguard both your livelihood and your professional standing—so you can take on new projects with confidence, wherever your design work takes you.
Prices from
£4.47* a month
Explainer quote
Policy cost
£4.47* a month
Policy type
Interior designer insurance
Policy duration
Annual
Public Liability
£1,000,000
This example is based on a real quote from our website on 25/02/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your interior design liability insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
My business has an annual turnover of more than £500,000 a year, can I get insurance cover with you?
No, we can only cover sole traders and businesses providing the trades within our Creativies insurance product, that generate less than £500,000 turnover per year.
My business involves a number of services, that can’t be defined under just one trade alone, is this okay?
Yes, you can select any number of trades or professions within your application of insurance and we will cover you to provide all of these services. If there is not a trade / profession that best describes the services you provide, you can select the ‘Other’ option and detail to us what it is you do and we will consider this appropriately under a bespoke arrangement.
My business employs more than 5 people, is this okay?
No, we can only provide you insurance cover, specifically for Employers’ Liability, if your business has 5 or less employees. These numbers should include those you employ, that volunteer their time for no pay and any labour only subcontractors under any agreements with you and your business. You should also include your companies directors and principals if your company is a registered company.
I provide music lessons, as a teacher, in schools and colleges. Can you provide me insurance cover?
No, we do provide insurance cover for those providing music classes, compositions production services and workshops but our cover excludes specifically working with schools.
I’m going to be working abroad, in other countries, providing the services you insure me for. Is this okay under this insurance cover?
Yes, we can provide cover for working temporarily abroad but we can only cover up to 30 days over the policy period and we are unable to cover working in the USA and/or Canada.
My type of work is predominantly undertaken on computers or laptops. Are you able to cover me for damages to data I might get on my computer systems?
No, our insurance policy excludes damage to electronic data. If you take our insurance cover for Business Equipment, we can cover you for the tangible computers and/or laptops but not the data you keep on these systems.
Will your insurance cover protect me for any claims I might receive due to allegations of the quality of work I undertake?
No, our insurance cover excludes claims arising due to situations around disputes arising due to the quality of work you undertake. Claims for things like financial or investment advice or alleged shortcoming in your work is something we exclude on our insurance cover.
Can I get insurance to protect my expensive business equipment from damage, and if I make a claim, will you reimburse me the full amount I paid for it?
Yes you can get insurance cover with us for your business equipment, valued up to £25,000. No, we may not pay you back the amount you paid for the equipment. It depends on the age of the equipment. Our business equipment cover will cover the cost to repair the equipment or replace it as new at the date of loss. If the item(s) being claimed for are over 3 years old at the time of the loss, we will only pay you the value of the equipment, less a deduction for wear and tear.
Can you cover my business equipment when I’m working remotely?
Yes but with certain restrictions. You would need to take out the optional cover for business equipment and declare the full value of your equipment. If your equipment is valued over £25,000, we can’t cover this. Our optional cover for business equipment does have a number of exclusions within the cover, including but not limited to damage, loss or theft of your equipment when it is stored anywhere outside your immediate control, when its left somewhere unattended, where manufacturer fitted security is not enabled and where equipment is kept in a motor vehicle, unless its out of site, like in an enclosed locked boot. For full details of the exclusions, please refer to our policy wording, under section D business equipment.
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This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 25/02/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
ˆ10% introductory discount applies to the first-year policy premium only and is not available to current Creatives Insurance customers. Protectivity reserves the right to amend or withdraw this offer without notice. Available to UK residents only.
¹Based on live Feefo data