Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK interior designers — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Interior designers carry a risk that doesn't apply to most other design trades: when you specify, source or supply physical furnishings, you can be liable if those products themselves cause harm — separate from any error in your design advice.
If a bedframe, sofa, curtain fitting or other item you've specified or supplied causes injury or property damage due to a defect, that's a products liability claim — not professional indemnity (which covers your advice) and not public liability (which covers incidents arising directly from your business activities).
Incorrect dimensions leading to costly rework, incompatible materials, or a design that overlooks building regulations or structural considerations are the most frequently seen interior design negligence claims — and professional indemnity is what responds to these.
PI isn't legally required for interior designers, but bodies like the British Institute of Interior Design strongly recommend it, and many commercial and public sector tenders will require a specific minimum limit as a condition of the contract.
Because PI is claims-made, cover needs to be in force when a claim is made, not just when the design work was done. If you retire, close, or merge your practice, run-off cover protects against claims relating to projects completed years earlier.
A strong policy covers the specific risks of your trade — from specification errors to product defects and client disputes.
Covers legal costs and compensation if a client or third party is injured or has property damaged as a result of your business activities.
Covers claims of negligence, errors or bad advice. Essential if you provide professional services, advice or designs to clients.
Covers injury or damage caused by furnishings or materials you specify, source or supply, where a product defect is to blame rather than your design advice.
Legally required if you employ anyone. Covers employee injury or illness claims. Minimum £5 million cover by law.
Covers business equipment, tools, cameras and specialist kit against theft and accidental damage — at your base and on the move.
Covers legal costs for contract disputes, debt recovery, HMRC investigations and employment tribunal defence.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
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