Protecting Your Design Firm with Liability Insurance

Insurance is for the unexpected.
Make sure your design practice is covered.

-V. Carr
Managing Director
The Interior Design Resource Agency

General Liability Business Insurance

As an interior designer and small business owner, you have a lot of responsibility including running your business and looking after its welfare. Even if you run your business very carefully providing the best of working conditions for clients and employees, including making sure that the quality of your service and products meet set standards, you never know when things could go wrong. This is where general liability business insurance comes to play. The following paragraphs will explain how general liability insurance can help you cover unforeseen accidents, lawsuits and other catastrophe and save you a fortune paying off the costs which may be associated with defending you in court.

What is General Liability Business Insurance

As a designer small business owner, you will undoubtedly need protection from clients filing a lawsuit against you due to services which they may not like or which may have gone wrong. Business liability insurance protects you not only against property damage and personal injury, but also covers you against damages and fees incurred due to legal costs. There are different types of business liability insurance which you can acquire that depend on your design firm's needs. The most common liability business insurance includes general liability insurance, professional liability insurance and product liability insurance.

General liability business insurance can be considered the first line of defense to protect your business against claims of wrongdoing and negligence. If a client or contractor files a lawsuit against you, this insurance covers you against losses which you might incur. Moreover, it covers bodily injury which may be caused to your employees. In the event that clients hired you for a job that your team was required to repaired something  say electrical appliances or plumbing operations, that breaks down again, you can use your general business liability insurance to cover the extra costs. In addition, medical expenses for a person who is injured within your business premises are covered as well.


General liability business insurance protects your business from advertising claims, property damages and injury claims. Professional liability insurance is beneficial for since it covers business owners who provide some kind of service. It also protects against omissions, errors, malpractice and negligence. On the other hand, product liability insurance may be needed as it covers you against injury which may occur in the process of using a particular product.


In addition to the above mentioned insurance, you can attain small business liability insurance, to save your small company from crumbling in times of need.


General Liability Business Insurance Quotes

Once you have an idea of general liability business insurance, you may want to know how to go about getting the best quote. There are several insurance companies which provide such insurance, but you need to search for the best deal. The best way to search is by getting quotes from several service providers, so that you can compare them and choose the best premium.

How Much Does General Liability Business Insurance Cost

General liability business insurance costs depends on the kind of business you have. Premiums depend on the risks which you want to cover. If you have a home based business, you may have to pay anywhere between $350 to $700 USD or more every year. Try to gather as much information on liability insurance cost, so that you have all the details before buying a policy.


While buying general liability business insurance, you should see to it that it covers medical bills which you may have to incur in case a person is injured within the premises of your business or job site. Moreover, it should also provide cover against legal costs in case you are sued and a lawsuit is filed against you. Go through the fine print thoroughly so that you know all the terms and conditions before you sign the dotted line.

By Madjya Bhattacharyya
Image by Editorial1



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  2. Would I have to get both general liability and professional liability in order to be well-protected? Or, can I just get the professional liability and be OK?

  3. This comment has been removed by the author.

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