Insurance for interior designers in Florida

Most designers work inside other people’s spaces. That makes small accidents feel big.

• Movers scratch hardwood floors while placing a sofa you specified. Ask me about general liability.
• An assistant drops a mirror and chips a client’s staircase. Same coverage to ask about.
• Your installer twists an ankle on a ladder. Workers’ comp is the one to raise.
• A client says your advice led to a costly mistake. That’s professional liability, a different coverage.
• A water leak at your studio ruins samples and furniture. That points to commercial property.

In Florida, construction businesses generally need workers’ comp once they have one or more employees, and other businesses generally need it at four or more employees. The Florida Division of Workers’ Compensation has the official rules.

Ask me whether I can help with professional liability for your situation.

• General liability. It can respond when your work hurts someone or damages their property.
• Workers’ compensation. It covers employees injured while working.
• Commercial property. It can cover studio contents and samples, depending on the policy.
• Commercial auto. If you drive product or samples to clients, ask me about it.

I like to understand how you actually work.

• What design services you offer, and what you stay away from.
• Roughly what the business earns in a year.
• Whether you have payroll and how many people work for you.
• If you bring in installers or painters as subcontractors.
• Whether you’ve had any claims.
• What a client, landlord or contract needs you to show.
• The date you need coverage.