Small Business Insurance That is Competitively Priced and That Provides the Gold Standard in Protection in 3 Fast and Easy Steps

• Get instant online Quick Quote premium indication in about 3 minutes.
• Request phone call from experienced insurance agent to finalize your formal proposal.
• Accept proposal and your coverage confirmation may be emailed in minutes.

Interior decorators plan, design and organize projects for the purpose of decorating interior spaces for their clients. They deal exclusively with the aesthetics of a space and do not plan building renovations or mechanical or electrical needs. Their projects may include selecting furniture, paint colors, light fixtures, carpeting, drapery or accessories for an interior space.

General Liability Insurance for Interior Decorators – Interior decorators should have low premises liability risks since they typically meet at the clients’ location. However, if interior decorators have offices or showrooms, displays and furniture should be adequately spaced for easy passage and should be sturdy in order to prevent toppling hazards to clients. Sidewalks and parking lots should be free of defects and any uneven surfaces should be marked with yellow paint.

Workers’ Compensation Insurance for Interior Decorators – Interior decorators may be injured when traveling to meet clients and/or while on the clients’ premises. If interior decorators meet their clients at construction sites, they should wear personal protective gear as necessary. The use of stools and stepladders may also be necessary when measuring windows, for example. All stools and stepladders should be appropriate for the intended job and should have skid resistant covers on the steps and the feet in order to prevent injuries.

Business Auto Insurance for Interior Decorators – Business auto risks will be significant for interior decorators since they usually travel to meet their clients. The frequency of travel and the traffic conditions will impact the risks. If employees use their own vehicles for business travel, they should be required to carry Personal Auto insurance with Auto Liability coverage of at least $300,000 combined single limits. Unacceptable MVR criteria should be established for all drivers and employees should be moved to non-driver status in the event they do not meet the objective standards. Cell phone usage while driving should also be restricted.

Property Insurance for Interior Decorators – The design and construction of the building should minimize fire loss and should be in compliance with local building ordinances. Interior decorators should maintain off premises copies for all customer files and other important documents. Electronic imaging is the best way to do this. Off premises backups should be maintained on a daily basis for software and data on all computer servers including web servers and email. The backup systems should be regularly tested to make sure they are working properly.

Crime Insurance for Interior Decorators – Interior decorators will not likely have a lot of cash on hand and burglary risks should be low. However, dishonest employees of interior decorating services may embezzle money from their employer. As a result, employees should be prescreened with detailed applications and reference checks. Internal audits should also be performed on a frequent and irregular basis to prevent employee theft.