Insurance for Interior Designers
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What does interior designer insurance cover?
Interior designer insurance helps cover risks associated with designing commercial, industrial, retail, and residential building interiors. Common risks may include:
- Professional negligence claims
- Accidental client property damage
- Damaged or stolen business equipment, display furniture, and stock
- Injuries that leave you unable to work
Professional Indemnity insurance is required to receive accreditation from the Design Institute of Australia (DIA) and Building Designers Association of Australia (BDAA).
At BizCover, we offer tailored insurance solutions for interior designers, including Professional Indemnity and Public Liability. Build a package to fit your business needs in minutes.
Why do interior designers need insurance?
Business insurance is crucial to protecting your business finances, assets, and reputation. Professional Indemnity is required for interior designers seeking accreditation from industry associations. Public Liability may be required by contract to work with some clients.
Insurance can help interior designers manage the cost of risk scenarios like these:
| Failing to deliver services on time or to a client’s expectations |
| Incorrect preparation of specifications or plans |
| Failing to comply with government regulations (i.e., disability access, using flammable fabrics and materials) |
| Third-party property damage or injury claims related to your work |
| Replacing stolen furniture or stock |
| Covering lost income if you’re injured and unable to work |
What types of insurance do interior designers need?
BizCover offers broad cover options designed for interior designers.
Essential cover for interior designers:
Additional interior designer insurance options:
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How much does interior designer insurance cost?
Business insurance for interior designers costs $104 per month*.
Factors influencing cost
Risks of the industry
Cover level amount
Annual Turnover
Number of Employees
Claims History
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get cover that grows with your business
Choose from flexible Public Liability limits up to $20 million and Professional Indemnity limits up to $10 million, including auto reinstatement, run-off cover, and unlimited retroactive cover.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Get cover that grows with your business
Choose from flexible Public Liability limits up to $20 million and Professional Indemnity limits up to $10 million, including auto reinstatement, run-off cover, and unlimited retroactive cover.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How It Works – Buying Online
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How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
Award-Winning Tech & People
We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.
See How Much Other Interior Designers Have Saved By Purchasing a Policy Through BizCover
Jessica
Bookkeeper from
VIC
Saved
$400
on
Professional Indemnity insurance
Brooke
Bookkeeper from
QLD
Saved
$200
on
Professional Indemnity insurance
Lisa
Bookkeeper from
VIC
Saved
$300
on
Professional Indemnity insurance
^Savings made from February to August 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Workers compensation insurance is a legal requirement for interior design businesses with employees (note: BizCover does not offer workers’ compensation insurance at this time).
Professional Indemnity and Public Liability may be required to work with specific clients or accept some work contracts. Professional Indemnity is also a requirement to receive accreditation from industry associations.
Yes. Freelance interior designers are covered by many popular types of business insurance, including Professional Indemnity, Public Liability, Business Insurance Packages, and Personal Accident & Illness.
With BizCover, your certificate of currency is emailed to you immediately after payment is made. You can also download additional copies at any time by logging in to our customer portal.
Hear from our customers
Not only did we solve the problem but also saved money – muchappreciated
Sue M. Architect
It was great quick fast service.
Roger S. Architect
Nice and easy and convenience is what everyone wants.
Neil C. Architect
The team member was very proficient in processing my enquiry. Very pleased with the outcome.
Peter S. Architect
Real-life customer reviews verified by Feefo