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Safety and Loss Control
Our Solutions for Insuring Your Interior Design Business
Here are some common insurance concerns most interior design offices have, along with some ways we can partner to protect you. When you’re ready to speak to an agent, find one near you using our Professional Locator.
(Please note all coverage may not be available in all states.)
| Your Worries | The Solutions | |
| What you think about | How you can help yourself | How Nationwide can help |
| If the office needs to close for some reason – such as a fire or storm damage – how do I continue to pay my employees and bills? |
Review our Office Safety
Bulletin Ask your agent if this coverage is automatically built into your policy Review our Disaster Planning Guide for Small Businesses | Business Income Coverage |
| What if a customer gets hurt in my office? | Review Preventing Slips, Trips and Falls Safety Bulletin |
General Liability Coverage Umbrella Coverage |
| What if a power surge or interruption of electrical service outside my business causes breakdown of my equipment and systems? | Utilize surge protection devices to protect your electrical equipment |
Utility Services Coverage Time Element Coverage |
| What if a fire or fire sprinklers damage design plans in my office? |
Back up data and use offsite storage Keep documentation in a fireproof cabinet |
Valuable Papers Coverage Accounts Receivable Coverage |
| What if I am involved in a lawsuit for breach of contract or improperly designed work? |
Employees should be properly trained and licensed A procedure should be in place for quality checking | Nationwide does not offer Professional Liability Coverage for architects, but we can work with a partner company to help you find coverage. |
| My employees and I travel between client locations. How can I protect my auto? |
Address driving safety in the company handbook Have a personal use vehicle procedure in place Review Business Autos for Personal Use Safety Bulletin Review Driver Fatigue Safety Bulletin Review Driver Distraction Safety Bulletin |
Business Auto Coverage Hired Auto Coverage Non-Owned Auto Liability Coverage |
|
What if my computers, cameras or design samples suffer damage while
away from my office? | Properly secure equipment in trunk of car when not in use | Coverage is available for property regularly away from premises |
| I store furniture and artwork in my workspace until they can be installed in my clients’ homes. Are these items protected? | Property or Inland Marine Coverage can protect you. Discuss your exact needs with your Nationwide agent to determine the solution that’s best for you. | |
| I have a number of employees and want to steer clear of any issues with discrimination, harassment or wrongful termination. |
Outline policies and procedures regarding discrimination and
harassment in your employee handbook Review Hiring Practices/Employee Selection Safety Bulletin | Employment Related Practices Liability Coverage |
| What if I hire a new employee and make an error in benefits enrollment, and the employee gets sick and is without health insurance? |
Review New Employee
Orientation Checklist Conduct employee file reviews | Employee Benefits Coverage |
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*available in Arizona, California, Iowa, Illinois, Indiana, Kansas, Missouri, North Dakota, Nebraska, New Mexico, Pennsylvania, South Dakota and Texas
Did You Know?
Interior designers staging homes for sale help increase the selling
price by around $2,000.
–The Philadelphia Inquirer
Want to know more?
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a Nationwide Insurance® agent
Did You Know?
26% of interior designers are self-employed.
– U.S. Bureau of Labor Statistics
Want to know more?
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a Nationwide Insurance® agent
