Insurance 101 | Where to buy commercial general liability for interior designers in Canada
The work you do as an interior designer means that you are constantly on the go. Whether it is sourcing custom tiles, knowing the best wallpaper manufacturers or finding a built-in coffee maker that is a perfect aesthetic match for a mid-century modern kitchen, you know trends and how to track down the right ones for your clients.
Related Matters: Course of Construction Insurance
As a Canadian interior designer, you are an expert in helping your clients achieve their vision for commercial and residential spaces, all within time and budget specs. Your clients expect you to deliver a seamless solution that includes expert logistical management, tradespeople, multiple layouts, as well as efficient and effective materials selection.
Unfortunately, a worst-case scenario can quickly put up a wall between your vision and reality. This is why it is important to understand the specific risks you face as an interior designer and secure general liability coverage that best suits your business.
Keep reading to learn more about where to buy commercial general liability for interior designers in Canada.
What general liability insurance is and why interior designers need it
One of the most important and foundational types of coverage that’s specifically built to protect against common exposures is known as commercial general liability, CGL, or simply general liability. For example, if a supplier or client with mobility challenges slips in your interior design offices and fractures their femur bone, general liability insurance is designed to respond.
It’s a fact that bodily injury and property damage can and will occur when you least expect it. This is why general liability insurance is specifically designed to provide protection against liability claims for bodily injury and property damage related to your interior design firm completed operations, premises, operations, products, as well as advertising and personal injury liability.
Click to download our commercial general liability insurance application form. Get your coverage ALIGNED.
We know that time is of the essence when you are looking to get or renew your commercial general liability. Rest assured that you can get your interior design business covered now. Just click to download a custom commercial general liability for interior designers insurance application.
We have made it simple and easy to get connected with insurance for interior designers in Canada. To get the process rolling, you just need to complete the three simple steps below.
- Download the Commercial General Liability For Interior Designers Insurance Application Form
- Answer and complete the Commercial General Liability For Interior Designers Insurance Form (note that you can input your answers electronically into the PDF form)
- Sign and return your completed application to an ALIGNED Insurance broker by emailing it to firstname.lastname@example.org
ICYMI – Yes, mistakes happen. Why errors and omissions coverage is also important.
As an interior designer, proactively managing the risks you face on the job is something that you do every day. You are always on the outlook for things that might impact the successful delivery of a flawless renovation. It may be the wrong paint colour, timing of contractors or materials that don’t exactly match specifications.
Even the most efficient and organized interior designer can miss a small, yet crucial detail. With lawsuits more common than ever, professional liability which is also known as errors and omissions or simply E&O insurance can give you and your interior design firm an additional layer of comfort as well as security.
What can go wrong is why you need to get ALIGNED with the best coverage
In fact, some of the most common errors and omissions situations that interior designers run into may include:
- Errors in project elements – mistakes in measurements, incorrect materials, improperly scheduled resources, etc.
- Design projects not completed in accordance with contract specifications (i.e. delivered overbudget and/or late)
- Logistical problems – material changes to scheduling, layouts and plans that are not communicated to relevant parties such as suppliers and/or clients
Unfortunately, things do go wrong. This is why having the right protection in place – well before a claims situation event actually occurs – is so critically important to any Canadian business.
From the ground up, errors and omissions liability insurance enhances your interior design business owner’s policy. In fact, E&O safeguards against catastrophic loss in the event of a lawsuit due to a negligent act, error or omission in the course of your offering interior design professional services to a third party for compensation.
In addition to claims of error, omission, or negligence, E and O can also protect against slander, libel as well as breach of contract.
Get CGL coverage for interior designers with us now!
We are proud to deliver commercial insurance solutions that are comprehensive, simple and easy to use. You can download a commercial general liability for interior designers application here.
Note: You can also get aligned with errors and omissions insurance for interior designers when you complete the ALIGNED Insurance application form.
We understand the unique risks and exposures that interior designers face on the job. That’s why we’ve made it easier to for interior designers to get the coverage they need to protect their business.
All you need to do to get started is download and complete our commercial general liability insurance application and return it to us at email@example.com.
Once we receive your completed application, one of our experienced commercial insurance brokers will contact you to discuss the specifics of your interior design business. We’ll work with you to get you aligned with the commercial general liability coverage you need to protect your interior design firm.
Get a quote & commercial general liability for interior designers aligned.
If you are ready to work with an insurance brokerage that exclusively focuses on building better commercial insurance options, ALIGNED Insurance is your ideal fit.
Every day, our team members work to meet the specific and specialized needs Canadian businesses as well as deliver a better insurance experience.
We invite you to work with us to get all of your interior design business insurance needs aligned today.