Interior Decorators Business Insurance

Minnesota Interior Decorators Business Insurance

Interior Decorators Business Insurance. As an Interior designer /decorator in Minnesota, you need quality insurance coverage that doesn’t break the bank. We quote multiple carriers and offer low-cost insurance for Interior Designers. Staging for homes, condos, office design, home décor, blinds, outdoor spaces. Developing that perfect balance, function, and harmony isn’t easy. Protecting your MN interior decorating or design business from bodily injury and property damage claims. We work with contractor’s insurance every day, that’s what we do. Requesting a general liability insurance quote for your interior design business from us is a very good start.

You work so hard each day to build your interior design contracting business and you need interior decorators’ business insurance. Don’t take the risk of not having coverage or not having the right coverage. Let our experts help you today. Don’t wait any longer.

Our experts speak contractor insurance! This is what we do. What do you do best?

We insure contractors and interior designers all over the state. Minneapolis to Rochester, Lakeville to Duluth, St. Cloud to Mankato. Do yourself a favor and contact us today. Our goal is to help you find affordable interior decorator’s business insurance coverage.

General Liability Insurance for Interior Decorators & Designers

Minnesota interior decorators business insurance is general liability insurance and is really the core policy for Minnesota interior designers. Interior designers should buy this policy first. What does general liability insurance cover? General liability insurance covers bodily injury and property damage claims. Minnesota interior decorators business insurance / general liability insurance protects your, premises, product, operations, and completed operations. Often MN insurance companies will include a $1,000 property damage deductible. This should be taken into consideration when picking the best insurance for your contracting business.

Common limits of liability coverage are $1,000,000/$2,000,000. The $1,000,000 represents the per occurrence limit or per claim. The $2,000,000 represents the aggregate limits or maximum per policy term limit for all claims presented. It’s important you understand the basics here because you should have a contract, with a hold harmless agreement and insurance requirements with your sub-contractors. We have some examples to share, just ask.

Interior decorator’s business insurance / general liability insurance is calculated using your gross sales, owner payroll, employee payroll, sub-contractor labor costs, and materials in some cases. Securing and matching insurance policies for contractors and interior designers is an art. We work with contractors like you every day. Take the next step and ask a question or request a Minnesota interior decorator’s business insurance quote. You might be delightfully surprised at the coverage and low cost.

My General Contractor is Looking for Proof of Insurance

Many times a general contractor will be asking for a certificate of insurance so you can work and get paid.  Fifty percent of the time they are just looking for general liability insurance. Sometimes they are also looking for additional insured status to be added or commercial auto insurance and workers compensation insurance too.

Business Owners Policy (BOP) 

Interior Designers would normally qualify for a BOP. A general liability insurance policy, that mixes liability, building coverage, business personal property, and other commonly needed coverages for businesses. A BOP is used often in Minnesota for retail businesses. The BOP was created back in the 1970s and is preferred over just a basic general liability policy with no bells and whistles.

Contact Us for Quote – Interior decorators business insurance

Tell us about your Minnesota interior design business, we are listening. Do yourself a favor and call 952-222-8073 or complete the quick quote form on this page. Request your MN interior design liability insurance quote now! You will b hasppy you did.