Professional Liability Insurance (Errors & Omissions): Also known as E&O insurance or professional indemnity insurance, this type of insurance provides coverage for claims of negligence, errors, or omissions in providing design services. It protects against legal fees, settlements, and damages if a client alleges that the designer's work caused financial harm or dissatisfaction. General Liability Insurance: General liability insurance offers coverage for bodily injury and property damage that may occur during the course of interior design projects. It protects against claims from clients, contractors, or third parties who suffer injuries or property damage as a result of the designer's work. Business Property Insurance: Property insurance safeguards the physical assets of the interior design business, including computers, software, design materials, and office furniture, against damage or loss due to events such as fire, theft, vandalism, or natural disasters. Business Interruption Insurance: This insurance provides coverage for lost income and ongoing expenses if the interior design business is temporarily unable to operate due to a covered event, such as a fire, natural disaster, or other disruptive event. It helps cover rent, utilities, salaries, and other fixed costs during the period of interruption. Cyber Liability Insurance: Cyber liability insurance protects against data breaches, cyberattacks, and other cyber risks that could compromise sensitive client information stored electronically. It provides coverage for costs associated with data recovery, notification expenses, legal fees, and regulatory fines or penalties. Workers' Compensation Insurance: If the interior design business employs other individuals, such as assistants, installers, or administrative staff, workers' compensation insurance is typically required by law. It provides coverage for medical expenses, lost wages, and disability benefits if an employee is injured or becomes ill while performing job duties. Commercial Auto Insurance: If the interior designer uses vehicles for business purposes, such as traveling to client meetings or project sites, commercial auto insurance provides coverage for liability, property damage, and injuries resulting from accidents. Product Liability Insurance: If the interior design business sells or provides products to clients, such as furniture, fixtures, or accessories, product liability insurance provides coverage for claims of property damage or bodily injury caused by defective products. It protects against legal fees, settlements, and damages arising from product-related incidents. Crime Insurance: Crime insurance safeguards against losses resulting from crimes such as theft, fraud, or embezzlement. It provides coverage for financial losses, legal fees, and restitution if the interior design business is victimized by criminal activities. Business Owner's Policy (BOP): A BOP combines several types of insurance coverage into a single package designed for small businesses, such as interior design firms. It typically includes general liability, property insurance, and business interruption coverage, offering convenience and cost savings compared to purchasing individual policies separately.