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Florida Interior Decorators Insurance quote and information.

  1. How do insurance companies define Interior Decorator?
  2. What risk exposure do Interior Decorators have?
  3. What is the price of Interior Decorator insurance?
  4. Is insurance for Interior Decorators required in Florida?
  5. What coverages are common to Interior Decorator businesses?
  6. Can you provide insurance anywhere in the state?

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How do insurance companies define Interior Decorator?

Interior decorators and designers are consultants who plan and lay out the interior finish design of a building. Their work may focus on the aesthetic, the functional or both. The decorator may determine everything from the color, style, and location of furnishings, floor coverings, and lighting inside of the building to the color of walls, curtains and woodwork, as well as wallpaper, paintings, or artwork, etc. Interior decorators may also arrange for the purchase of the furnishings, materials, and accessories needed to decorate. Some may have significant valuables in storage in commercial or industrial buildings, while others function as sales representatives for suppliers.

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What risk exposure do Interior Decorators have?

Property Exposures
Can be different for each designer. Some have simple office exposures, while others have storage or sales of home furnishings, furniture, and wallpaper. They must be reviewed and evaluated individually.

Inland Marine Exposures
May include sales samples, tools and equipment (for measuring, etc.), and camera equipment; there may also be property at exhibitions, goods in transit, and occasionally an installation exposure. Many of these items are targets for theft; others may be highly susceptible to damage by breakage, marring or scratching, temperature change, etc. A significant bailees’ exposure may exist if the decorator is purchasing items on behalf of a client or customer and storing, transporting, or otherwise protecting goods until delivered and installed for the client. Security and clear ownership documentation is important while these items are being held.

The decorator may also have an extensive fine arts collection that is used for examples. Security of the collection is always important to prevent theft. Professional packers are used to reduce the breakage and theft exposure while the items are in transit.

Premises Liability
Concerns may exist while in the process of evaluating and decorating the client’s premises. If the decorator has oversight of a decorating job, the decorator could have a general contractors’ exposure. If subcontractors are hired by the interior decorator, rather than by the property owner/client, then the decorator is acting as a general contractor, and his or her liability exposure is significantly higher. The most important issue in this situation is contractual. Poorly written contracts can expose the decorator to losses not anticipated in this classification.

Automobile Exposures
Is limited and usually consists of the commute to and from the job sites. If, however, delivery of goods is done, higher exposure exists. Age, training, experience, and drivers’ records, as well as the age, condition, and maintenance of the vehicles, are all important items to consider along with an understanding of the proper handling of the items.

Workers Compensation
Does not present a high exposure if no actual installation of furnishings and decorations or delivery of goods is done. If it is, the types of processes and work performed needs to be looked at. The contractual test described above under premises liability applies her as well.

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What is the price of Interior Decorators insurance?

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Is insurance for Interior Decorator required in Florida?

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post the answer in one business day.

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What other insurance should a Painters consider?

Business Personal Property, Commercial Articles Floater, Salespersons Floater, Employee Dishonesty, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Nonownership Auto, Workers Compensation

Can you provide insurance across the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.

  • Jacksonville
  • Miami
  • Tampa
  • St. Petersburg
  • Orlando
  • Hialeah
  • Tallahassee
  • Fort Lauderdale
  • Port St. Lucie
  • Pembroke Pines
  • Cape Coral
  • Hollywood
  • Gainesville
  • Miramar
  • Coral Springs
  • Clearwater
  • Miami Gardens
  • Palm Bay
  • West Palm Beach
  • Pompano Beach