{"id":12670,"date":"2017-07-12T08:00:19","date_gmt":"2017-07-12T07:00:19","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=12670"},"modified":"2024-02-26T13:27:39","modified_gmt":"2024-02-26T13:27:39","slug":"insurance-interior-designers","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/insurance-interior-designers","title":{"rendered":"Insurance for interior designers explained"},"content":{"rendered":"\n

<\/p>\n\n\n\n

<\/p>\n\n\n

\n
\"Insurance<\/figure>\n<\/div>\n\n\n

Sadly, projects don’t always go the way they’re designed to. Despite your best creative efforts. So it’s just as well insurance for interior designers is there to help when Murphy’s Law kicks in and your envisioned beauty quickly becomes a beast.<\/p>\n\n\n\n

Maybe a client says the materials and fittings you used fall short of the mark. Or a big event has to be cancelled because you’ve overrun.<\/p>\n\n\n\n

Then there are accidents. The polished finish on a Georgian sideboard falls foul of white spirit. Or a curtain fitter borrows your stepladder only for it to collapse, leaving them with a broken shoulder.<\/p>\n\n\n\n

And don’t even mention all the building regs and health and safety guidelines you need to keep up with.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Triple trouble<\/h2>\n\n\n\n

All that risk and potential for harm is a worry. When things go wrong, accusations get thrown around and unhappy or injured people sue for compensation.<\/p>\n\n\n\n

And that’s a three-pronged problem for you because:<\/p>\n\n\n\n

    \n
  1. Legal action costs money.<\/li>\n\n\n\n
  2. Dealing with a serious complaint takes time away from your business.<\/li>\n\n\n\n
  3. Bad news travels fast and your reputation matters.<\/li>\n<\/ol>\n\n\n\n


    <\/p>\n\n\n\n

    What insurance for interior designers do I need?<\/h2>\n\n\n\n

    If a claim does come in, there\u2019s a good chance you\u2019ll have to reach deep into your own pockets to pay for legal costs and compensation.<\/p>\n\n\n\n

    And that’s why it’s a smart move to protect yourself with interior designers’ professional insurance<\/a> \u2013 it pays for legal expertise to defend you and covers any damages awarded.<\/p>\n\n\n\n

    Here\u2019s how it works:<\/p>\n\n\n\n

    Professional indemnity insurance <\/a><\/strong>defends you against claims you’ve made a mistake or not done what was asked, and it’s cost your client money. If needs be, it also pays to fix or rectify the part of a project that’s caused the problem.<\/p>\n\n\n\n

    Public liability insurance<\/a> <\/strong>covers your business if someone connected with it injures someone or damages their property. It pays your defence costs and any compensation you’re liable for.<\/p>\n\n\n\n

    Portable equipment insurance<\/a><\/strong> covers essential tools of the trade like your laptop and mobile when you’re out and about. Office and contents insurance<\/a><\/strong> covers the business property that stays in your office or studio.<\/p>\n\n\n\n

    Employer’s liability insurance<\/a><\/strong> is legally required if you have employees. Even just the one. And even if they’re ‘just’ a temp, unpaid, part-time, on secondment or on work experience.<\/p>\n\n\n\n

    <\/p>\n\n\n\n

    No more crying over spilt paint<\/h2>\n\n\n\n

    If something does go wrong, insurance will do a great job of protecting your business.<\/p>\n\n\n\n

    But, as we know, prevention is better than cure. So here are some things to think about every time you take on a new job:<\/p>\n\n\n\n