Interior Designer and Decorator Insurance

While you design or build your client’s dream space, let us protect you and your business.

Why you need Interior Designer and Decorator Insurance

With Interior Designer and Decorator Insurance from State Farm®, we can protect you and your business against potential risks. For example, we can cover you in case of:

  • Theft – The tools and business property you bring to a job site sometimes walk away with someone else. We’ve got your property covered in the off chance it’s stolen.
  • On-the-job injuries – Employees get injured when performing routine job functions. Protect your business and assets from lawsuit through Workers’ Compensation coverage, which can be added to your policy.
  • Injury or damage that occurs after the job is done – Damage to property or personal injury can result after an installation due to a missed calculation on your part. Let us secure you against that legal and financial risk.

What Interior Designer and Decorator Insurance covers

We’ll start with a package of coverages most interior designers and decorators need. Then we’ll help you customize them to fit your unique business. The result? An Interior Designer and Decorator Insurance policy that keeps you properly covered at a surprisingly great rate.

  • Business Personal Property – Covers your building and its contents as well as your equipment and inventory from a covered accidental direct physical loss.
  • Property – Covers the property where you work and the contents within that space if you lease or rent the building.
  • Building Property – Protects your building, storage buildings, garages, fixtures, and other structures. It also covers specific features of those structures, such as installed floor coverings and building glass.
  • Business Liability – Protection against costly claims and lawsuits covered under the policy arising from property damage, bodily injury, or personal and advertising injury.
  • Completed Operations – Coverage for bodily injury and property damage claims resulting after a construction or service project is completed.
  • Mobile Equipment – Provides broad coverage for mobile equipment, tools, and equipment used in contracting operations.
  • Installation Floater – Insures covered property you own or are responsible for while in transit, awaiting installation, or being installed at the job site.
  • Property of Others – We will pay for property damage to the property of others while the property of others is in your care, custody, or control.

Consider adding additional coverages

Depending on the type of consulting or contractor work you do, the number of employees you have, and other factors, what’s covered in your Interior Designer and Decorator Insurance policy may not be enough.A local State Farm agent can advise you on additional coverages you may need to protect your business.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

Business services bond

Business services bond provides coverage to help protect your customers against dishonest acts (usually theft) by you or your employees while working on the customer’s premises.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy for you.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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