Protect your business and meet your legal requirements

Your interior design business brings beauty and function to homes and commercial spaces across Georgia. Unfortunately, one surprise expense (damage to a client's home, an employee's back injury or a lawsuit over financial losses you caused) can put your whole company at risk. We believe in your business and want you to have affordable insurance that meets state requirements and protects your property, team and income. This quick guide breaks down:

Georgia's required coverages
The most recommended protections
Some typical costs of interior designer insurance
How to save with fast quotes from top-rated insurance carriers

SHORT SUMMARY (because we know you're busy beautifying!)

Interior designers in Georgia face industry-specific risks that require customized insurance coverage.
A Business Owner’s Policy for interior design businesses saves you money by bundling general liability, property insurance and optional business interruption coverage.
General liability insurance is often required by your contracts and covers damages your business causes, along with advertising-related claims.
Property insurance for interior designers covers damages to your office space, furnishings or equipment from fire, theft and other surprise threats.
Professional liability insurance helps you pay for claims of negligence or design errors.
Workers’ compensation is mandatory for all interior designers who have employees in Georgia.
Cyber insurance for interior design businesses covers data breaches, including regulatory fines and digital recovery costs.
Commercial umbrella insurance provides extra coverage when other key policies reach their limits.
Working with Mylo can help you find the right coverage at the best value!

FIVE BEST COVERAGES FOR GEORGIA INTERIOR DESIGNERS:

Here are five essential coverages every interior design service company should consider to stay protected and profitable:

1. Business Owner's Policy

A business owner’s policy (BOP) for interior designers is a smart starting point. It bundles key coverages into one affordable package – ideal for new or growing businesses. Your BOP typically includes:

GENERAL LIABILITY FOR INTERIOR DESIGNERS Covers legal and medical costs if a client or other non-employee is injured or their property damaged by your business. It also protects you from advertising-related claims. Examples:

A client trips on a sample board in your studio
A paint spill damages a client’s flooring during a site visit
A competitor accuses you of copying their logo or slogan

PROPERTY INSURANCE FOR INTERIOR DESIGN SERVICES Helps repair or replace your office space, furnishings, and equipment if disaster strikes – like fire, theft, or vandalism. Examples:

A fire damages your design library and computers
A break-in results in stolen electronics and samples

BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily pause your business due to covered property damage.

Georgia interior designers have paid an average of $650 a year for a Business Owner's Policy, and purchasing general liability on its own can be almost twice as much. Ready to get your free quote now and see how much you can save on this and other coverages you may need? CLICK HERE

2. Workers' compensation (required in Georgia)

Georgia law requires workers’ compensation insurance for all interior design services with three or more employees. It covers medical expenses and lost wages for employees injured on the job – and protects you from most employee lawsuits. Examples:

An employee has a back injury moving furniture
A staff member trips while unloading materials

3. Professional liability

Also known as errors and omissions (E&O) insurance, this coverage protects against claims of negligence, misrepresentation, or failure to deliver your services as promised.

A client sues after claiming your design led to costly construction changes
A specification error results in delays and financial loss

4. Cyber insurance

If you store client data, use digital design platforms, or manage online payments, you’re vulnerable to cyber threats. Cyber insurance helps cover the costs of data breaches, ransomware and regulatory penalties. Examples:

Hackers access your client database and steal personal information
A phishing email leads to unauthorized access to project files

5. Commercial umbrella insurance

Think of this as insurance for your insurance! A commercial umbrella insurance policy provides extra protection when other key policies like your general liability reach their limits, which helps you protect your company's financial assets.

THE BEST INSURANCE FOR INTERIOR DESIGNERS IN GEORGIA

Your amazing company deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years and connected small business owners with 100,000+ policies. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in Georgia – at no cost to you.

In minutes Mylo will: