Design Insurance

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Architects and interior designers are highly recommended to take out design insurance to shield their business, staff, and clients in case an accident or an injury takes place that results in a lawsuit or a claim.

Irrespective of the reason why, if legal action is taken against the design company without them having an adequate level of cover in place, the costs related to legal fees, compensations, and reimbursements can quickly add up and leave a huge financial burden to the business.

This is why design firms are highly recommended to take out design insurance so that they are covered in case of unfortunate circumstances - regardless of the nature of the accident that has taken place.

What Insurance Policies Are Relevant for Interior Designers and Architects?

Interior designers and landscape architects can benefit from a range of insurance policies. The level of coverage your firm should take out will depend on how big your business is, the local state laws, and the risks you are exposed to, which are most likely to land you in a complicated legal and financial mess.

To give you an idea of the most popular insurance policies within the industry, please take a look below.

Which Design Firms Can Benefit From Insurance?

Below, we will take a look at some of the different sectors in the design industry that can benefit from such insurance.

Interior Designers

Interior designers have the responsibility of designing the interior of properties - be it commercial buildings or residential homes. And the biggest risks interior designers face revolve around negligence, overlooking details, missing deadlines, property damage, and in rare cases - accidental bodily injuries from slips, trips, and falls.

Those all can lead to costly claims and lawsuits, and so, interior designers are highly recommended to take out design insurance to safeguard their business and make the process of dealing with trouble much simpler and easier for all parties involved.

Landscape Architects

Landscape architects have the responsibility to advise, plan, design, and supervise the creation, regeneration, or development of outdoor spaces in the likes of public gardens, recreational areas, and in some cases - commercial and industrial sites.

Due to their wide variety of responsibilities, they often face the risk of making crucial mistakes that can cost developers a lot of money. In such a case, the landscape architect can be sued, which can destabilize the landscape architect’s financial standing.

For that reason, landscape architects are always advised to take out all the necessary cover prior to starting work on any project just in case something goes wrong - even if it was a simple mistake.

How Much Does Design Insurance Cost?

The premium you should be prepared to pay for design insurance will depend on a number of factors including the size of your business, the state you operate out of, the clients you serve, the number of employees and company cars your company has, and more.

Generally speaking, the average company in the industry pays:

  • $45 per month or $540 per year on general liability insurance
  • $55 per month or $660 per year on professional liability insurance
  • $40 per month or $480 per year on business owner’s policy (BOP)
  • $50 per month or $600 per year on worker’s compensation insurance
  • $200 per month or $2,400 per year on commercial auto insurance
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