Save up to 40% on Interior Design Insurance: PBIB routinely compares quotes from various insurance providers, ensuring optimal pricing and tailored coverage for your unique requirements. Our policies offer adaptable payment options, including yearly or monthly installments.

We typically recommend the following coverage for Interior Decorator

At PBIB, our objective is to safeguard your Interior Design enterprise with comprehensive coverage tailored to your needs. As independent insurance brokers, we select from a diverse range of programs, ensuring the ideal fit for your specific requirements. To shield your Interior Design business from potential losses like property damage, personal injury, employee injuries, vehicle or equipment damage/loss, and covering legal expenses and indemnification, we recommend the following insurance solutions:

• General Liability
• Workers Compensation
• Commercial Auto
• Professional Liability
• Tools and Equipment
• Property
• Bonding

 

Save up to 40% on Interior Decorator Insurance

PBIB will typically use numerous insurance companies to quote your insurance in order to give you the greatest deal and coverage for your needs. Every policy has adjustable payment options, such as yearly or monthly installments.

INTERIOR DECORATOR STANDARD COVERAGES

 

General Liability

Occurence Limit	$1,000,000
Product Completed Ops	$2,000,000
Each Occurence Limit	$1,000,000

Worker’s Compensation

Limit

$1,000,000

Commercial Auto

Limit

$1,000,000

Tools & Equipment

Limit

$10,000

Excess Liability

Limit

$1,000,000

Notes*

1. Tools and Equipment limits should be adjusted to the actual value of the Tools and Equipment owned, leased, or rented by the Contractor.
2. Excess Liability should be considered for exposures to loss that exceed $1,000,000, or contractual requirements dictate the amount of excess liability must be carried.
3. Professional Liability is usually not needed unless the GC is performing Design-Build, Construction Management, or other consulting services.

We offer services to help you get the business insurance coverage you need.

General Liability for Interior Decorators

For Interior Designers, General Liability insurance is crucial in shielding your business from third-party claims involving property damage or injury stemming from your services. A single mishap could significantly impact your business’s trajectory. If your company is responsible for third-party bodily harm or property damage, the resulting lawsuit could critically damage or even dissolve your enterprise. Our General Liability insurance prioritizes safeguarding your business assets, employees, and overall company from precarious situations and catastrophic legal actions.

Your state or county may mandate General Liability coverage for obtaining an Interior Design license. PBIB offers comprehensive certificate services Monday through Friday, and 24/7 self-service certificates – delivering “Insurance at your convenience.”

General Liability for Interior Decorators can help you pay for:

• Medical payments for 3rd party injuries
• Property damage to 3rd party property
• Legal fees and defense

 

 

 

 

Worker’s Compensation for Interior Decorators

We offer top-tier policies in the sector, designed to shield both you and your employees in case of injury or illness. Workers’ compensation covers employees’ medical expenses and compensates for lost income, enabling a smooth recovery. Additionally, it protects you in case of legal action. Choose us for comprehensive coverage that safeguards you and your workforce.

Even without employees, if you require a Workers’ Comp policy, we have options to secure you and meet your customers’ coverage needs.

Your state or county may necessitate Workers’ Compensation for your Interior Design license. PBIB furnishes full-service certificates Monday through Friday and 24/7 self-service certificates – providing “Insurance tailored to your schedule.”

Workers’ Compensation for Interior Decorators can help you pay for:

• Medical expenses of your injured employees
• Disability & Retraining of your employee.
• Lost wages
• Survivor benefit
• Employer liability

 

 

 

Commercial Auto for Interior Decorators

It’s impossible to run your Interior Decorators without your company vehicles to get you, your materials, and tools to the jobsite. We at PBIB know firsthand the value of your wheeled workforce and offer the insurance you need to be covered when trucks are damaged or stolen, we work to get you back working fast.

Commercial Auto insurance is an important insurance coverage for Interior Decorators, and a requirement for many projects, we provide full-service insurance certificates Monday through Friday to get you on the job, and 24/7 self-service certificates, this is what we call “Insurance on your time”.

Commercial Auto for Interior Decorators can help you pay for:

• Hired & Non-Owned Auto, Legal defense from employees driving their own vehicles.
• Medical expenses from injuries
• Collision repairs to your and 3rd party vehicles
• Legal fees & Defense
• Rental vehicle reimbursement

 

Tools & Equipment for Interior Decorators

Interior Decorators insurance includes coverage for Tools and Equipment, which safeguards your valuable movable assets from potential damage or loss. The coverage, commonly known as inland marine insurance, is designed to protect your hard-earned assets from common risks such as theft or damage while they are on-site, in storage, or in transit to and from your work location.

Tools & Equipment for Interior Decorators can help you pay for damaged or stolen:

• Tools & Equipment owned or rented by you.
• Employee tools and equipment (Optional)
• Borrowed equipment (Optional)
• Cost of renting interim equipment (Optional)

 

Professional Liability for Interior Decorators

Professional Liability insurance for Interior Decorators, also known as Errors and Omissions insurance, offers protection against claims made by clients alleging negligence, errors, or omissions in your professional services. It can cover legal defense costs and settlements or judgments, helping you to safeguard your business and reputation in the event of an unexpected lawsuit. As an Interior Decorator, having Professional Liability insurance can provide you with peace of mind and financial protection against potential liability risks.

Professional Liability Insurance can help your business with:

• Protection against Legal risk
• Coverage for claims and financial risk related to errors and omissions in their work.

 

License Bonds for Interior Decorators

In most states, obtaining or maintaining your contractor license requires a License Bond, which acts as a guarantee that you will comply with all state laws and regulations and will not abscond with a client’s deposit. The cost of a License Bond can start as low as $70, but the price can vary depending on factors such as personal credit, license history, and contractor classification.

We offer a range of bond types, including Performance and Payment Bonds, and allow you to obtain an instant quote and bind online within minutes. Simply input your state and bond type or select from a list, and we’ll provide you with the necessary information to secure your bond.