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Insurance for interior decorators and home stagers

As a professional in interior design and home staging, your unique skillset helps clients create or find their dream home. You keep a pulse on the latest design trends and principals. You understand how to use furniture, art, lighting, and colour to improve the look and feel of a space.

You juggle a portfolio of work that may involve frequent travel to and from client showings and working with a variety of materials. These daily tasks can expose your business to risks like injury, loss, and property damage.

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Insurance for interior decorators and home stagers

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Why do I need business insurance?

If something goes wrong in the home you are staging or designing, your business could be found responsible. The right business insurance can help you get back on your feet in the event of an unexpected loss.

Mistakes happen

Nobody’s perfect, and as a designer, you may accidentally make a mistake in your work or forget a critical requirement. If a client suffers a loss because of errors in your work, they could file a suit against your small business.

Property damage

In the process of staging a home and moving items around, you might accidentally break or damage your client’s belongings. If you’re found liable, this could be a costly expense for your business and could negatively impact your reputation in the industry.

Cyber risks

If you use email to communicate with your clients or process online payments, you’re at risk of a cyber attack. This could compromise your confidential customer data and impact operations.

Disruption of normal operations

If a sudden fire or theft at your office were to occur, you may have to stop running your business to deal with the situation.

What insurance do I need as an interior decorator or home stager?

Not sure where to start? Have a look at the most common coverages for interior decorators and home stagers. We can work with you to tailor a policy that addresses your unique needs.

Professional liability insurance

Professional liability insurance (also referred to as errors and omissions insurance) helps protect your business if one of your clients finds you responsible for errors in your work – for example, if they believe you missed a deadline or overlooked a detail that led to a delay in the project.

Commercial general liability insurance

The term liability refers to your small business being responsible for damages to a third party in the eyes of the law. Commercial general liability (CGL) insurance is designed to protect you and your business from a loss if you’re found legally liable for bodily injuries or property damage to a third party. For example, if you accidentally damage a client’s furniture while staging their home, this coverage can help mitigate the loss.

Cyber risk and data breach coverage

If your website or email gets hacked, a device storing sensitive information is breached, or a document with customer information is lost, cyber risk insurance could help cover your recovery costs. This includes the costs of legal claims, network repairs, and public relations services.

Business interruption insurance

This type of coverage can help your business recover in the event of an unexpected event, like a fire, flood, or theft. Having business interruption insurance can help cover your bills and expenses when you can’t generate income.

Commercial auto insurance

Moving to and from client homes, to stores to pick up materials, and back to your office may be a part of your daily routine. Because you require the use of a vehicle to run your business, you need commercial auto insurance. If you or your employed drivers were to be injured in an accident, your policy could help cover medical expenses and lost wages.

How much is insurance for interior decorators and home stagers?

There are many factors that can influence your premium. These include:

Revenue
Location
Claims history
Liability limit that is selected
Additional coverage options you may choose to add on, such as cyber risk insurance and business interruption

The TruShield advantage:

We’re as flexible as you need us to be.

24/7 Claims service:

We’re always open for you. With around-the-clock claims support by phone and online, we make settling claims fast, simple, and stress-free.

Flexible payment options:

Pay for your policy all at once or in convenient monthly installments. We also offer 0% interest and we’ll even accept payment by credit card.

We adapt as you do:

If you need to update your coverage at any point during your term, give us a call and we’ll walk you through the process. You can also cancel your policy at any time with no early termination fees.

We have more than just insurance:

There’s more to your TruShield policy than meets the eye. Here are a few ways we help support you on more than just insurance coverage.

Risk Management Assist:

Every TruShield customer has access to our team of Risk Services specialists who can help guide you through any questions or concerns you may have about the risks your business faces and how to prevent loss.

Trauma Assist:

Suffering a loss to the business you’ve worked so hard to build is not an easy experience. Our Trauma Assist service is designed to help owners and employees cope with the emotional effects of a loss.

Legal Assist: *

Legal Assist provides you access to legal advice and practical solutions for matters affecting your business. It includes a telephone legal helpline, document review and drafting services, and access to customizable legal templates.

* Legal Assist services are not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage and are not an insurance policy. Legal Assist services are provided through ARAG Legal Solutions Inc. by lawyers licensed in the province or territory of your residence.

Ready to protect your business?

Fill out our short form and get a quote instantly.

Terms, conditions and exclusions apply, see policy for details. The services described on this website are not insurance policies and not all policies are eligible. For more information on our services and for information on our insurers please see Terms and Conditions. Certain content used on this website are trademarks or tradenames of Northbridge Financial Corporation (or its affiliates) and are used under license by our insurers. For more information please see Trademark Information. CISRO Principles of Conduct for Insurance Intermediaries. About your Insurance Broker Fact Sheet.

Legal information

Certain content used on this website are trademarks or tradenames of Northbridge Financial Corporation (or its affiliates) and are used under license by our insurers. For more information please see Trademark Information.

TruShield Insurance, 105 Adelaide Street West, Toronto, ON M5H 1P9

Customer satisfaction

Insurance for interior decorators and home stagers

Insurance for interior decorators and home stagers

Why do I need business insurance?

Mistakes happen

Property damage

Cyber risks

Disruption of normal operations

What insurance do I need as an interior decorator or home stager?

Professional liability insurance

Commercial general liability insurance

Cyber risk and data breach coverage

Business interruption insurance

Commercial auto insurance

How much is insurance for interior decorators and home stagers?

The TruShield advantage:

24/7 Claims service:

Flexible payment options:

We adapt as you do:

We have more than just insurance:

Risk Management Assist:

Trauma Assist:

Legal Assist: *

Ready to protect your business?

Head office

Business Insurance in Canada

Send us a message

Update payment information

Update website consent

Business liability insurance

Commercial auto insurance

1-844-429-9480

Insurance for interior decorators and home stagers

Insurance for interior decorators and home stagers

Why do I need business insurance?

Mistakes happen

Property damage

Cyber risks

Disruption of normal operations

What insurance do I need as an interior decorator or home stager?

Professional liability insurance

Commercial general liability insurance

Cyber risk and data breach coverage

Business interruption insurance

Commercial auto insurance

How much is insurance for interior decorators and home stagers?

The TruShield advantage:

24/7 Claims service:

Flexible payment options:

We adapt as you do:

We have more than just insurance:

Ready to protect your business?

Head office

Business Insurance in Canada

Send us a message

Update payment information

Update website consent

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