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, and 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 contractors’ insurance every day; that’s what we do. Requesting a general liability insurance quote for your interior design business from us is a significant first step.
You work hard every 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 proper 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. Please do yourself a favor and contact us today. Our goal is to help you find affordable interior decorators business insurance coverage.
General Liability Insurance – Interior Decorators Business Insurance
Minnesota interior decorators business insurance typically includes general liability insurance, which is the core policy for interior designers in Minnesota. Interior designers should buy this policy first. What does general liability insurance cover? General liability insurance provides coverage for bodily injury and property damage claims. Minnesota interior decorators business insurance, including general liability insurance, protects your premises, products, 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.
Typical 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. You must understand the basics here, as you should have a contract with a hold-harmless agreement and insurance requirements in place for your subcontractors. We have some examples to share, ask.
An interior decorator’s business insurance, also known as general liability insurance, is calculated based on your gross sales, owner payroll, employee payroll, subcontractor 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 quote for a Minnesota interior decorator’s business insurance. You might be delightfully surprised at the coverage and low cost.
My General Contractor is Looking for Proof of Insurance
Often, a general contractor will request a certificate of insurance to ensure 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, as well as commercial auto insurance and workers’ compensation insurance.
Business Owners Policy (BOP)
Interior Designers would generally 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 often used in Minnesota for retail businesses. The BOP was created in the 1970s and is preferred over a basic general liability policy with no additional coverage.
Contact Us for a Quote – Interior Decorators Business Insurance
Tell us about your Minnesota-based interior design business; we’re listening. Do yourself a favor and call 952-222-8073 or complete the quick quote form on this page. Request your MN Interior Decorators Business Insurance quote now! You will be happy you did, trust us.