Do You Have the Right Insurance?

Do you actually have the right insurance coverage for your interior design business?In this episode of the Interior Design Business Podcast, I’m talking about one of the most overlooked but critical parts of running a successful design business: professional liability protection.Many designers assume their homeowner’s insurance covers their business, or they believe they’re “too small” to need errors and omissions insurance. But the reality is that every project carries liability, and even happy clients can suddenly become difficult when problems arise.In this episode, I share real stories from my own business experience, including client disputes, product failures, remodel complaints, and unexpected accidents that could have turned into major legal and financial problems.We also discuss why documentation matters, how to protect yourself legally, what errors and omissions insurance actually covers, and why separating your personal and business protections is essential.If you’re running an interior design business without understanding your liability exposure, this episode is a must-listen.In this episode, we cover:Why homeowner’s insurance does not cover your design businessWhat errors and omissions insurance actually protectsWhy no design business is “too small” for liability coverageReal examples of design-related lawsuits and disputesHow clients can suddenly become difficult after projects finishWhy documentation and signed approvals matterProtecting furniture, inventory, and stored productsUnderstanding liability around specifications and selectionsWhy legal defense costs can become overwhelmingSteps every designer should take to protect their businessShow notes are available at interiordesignbusinessacademy.comFollow us on Facebook: facebook.com/InteriorDesignBusinessAcademyFollow us on Instagram: instagram.com/interiordesignbusinessacademy