As people are now more willing to turn to the law when dissatisfied with service, our work environment has become increasingly litigious.
Interior Designers can be involved in contracts requiring significant structural alterations or they can provide purely decorative services. Professional Indemnity provides protection against liability claims arising from negligent design that can result in costly alterations and expensive defence costs.
All our quotations are individually underwritten so you can be sure the premium reflects your unique circumstance.
Typical claims relating to Interior Designers:
- Selecting inappropriate materials for end use
- Inaccurate construction cost estimates
- Delay claims by owners and contractors
- Failure to supervise works
- Defective design or insufficient specification of materials
For further information about our Interior Designers policy please click on the 'Fact Sheet' opposite
All Professional Indemnity Insurance is on a claims made basis, that means you must have an active PI policy at the time a claim or allegation is made against you. It is important to remember that once a PI policy expires you can no longer make any claims against it. Therefore you need to consider maintaining your PI insurance once you cease trading. This is called Run-Off Insurance and provides protection against any claims which may arise from work you undertook in the past. Some professional Institutions require their members to carry Run-Off insurance.
Run-Off is an annually renewable policy, the premiums will usually reduce each year to reflect the reducing exposure to insurers.
