Home Stager / Interior Designer Insurance

What this coverage is intended to address

• ✓Professional liability insurance and Errors & Omissions (E&O) insurance are generally intended to respond when a client alleges that a design decision or specification error caused them a loss.
• ✓General liability is generally intended to respond to third-party property damage, such as damaging a client's wall, floor, or fixtures while moving and staging furniture.
• ✓Defense costs that may be associated with a covered claim arising from your design or staging services.

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

• A client alleges that the design plan you specified ordered the wrong custom furniture, leaving them with costly unusable pieces; professional liability / E&O insurance is generally intended to respond to a covered claim of this type.
• While arranging a heavy console, your team scratches the client's hardwood floor; general liability insurance is generally intended to respond in the event of a covered claim.