Insurance for interior designers and renovation contractors

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Tailored insurance for the interior design and renovation industry.

Whether you run an interior design firm, or a renovation contractor company, you’ll need insurance to protect your business. Business insurance from Provide starts with property insurance, so that your premises and inventory are protected. You’ll also want to cover yourself against staff injuries and Covid-19 infections, public liability, and employee theft. 

 

It’s quick, tailored, and affordable cover with Provide.

What types of insurance do interior design firms and renovation contractors need?

Cover

Explanation

Importance for interior designers and renovation contractors

Commercial property insurance

Covers:

          Store premises

          Inventory

          Equipment

          All other store contents

          Plate glass (e.g. shop windows)

Critical

Public liability insurance

Covers liability if customers get injured in your store.

Covers liability if you damage other people’s property (e.g. during renovations/repair work).

Critical

Work injury compensation insurance

Covers work-related injuries/sickness, including Covid-19 infections.

Critical

Fidelity guarantee insurance

Covers employee’s stealing money from you.

Good to have

Cyber liability insurance

Covers hacker attacks, liability from PDPA/data breaches, corrupted systems, and more.

Critical for online retail stores/
e-commerce businesses

Commercial property insurance

shop fire insurance

Commercial property insurance will protect your store premises, business inventory, display windows, and all other shop contents.

Public liability insurance

public liability insurance

Public liability insurance will protect you from liability for injuries/property damage to third-parties. 

Fidelity guarantee insurance

fidelity guarantee insurance

Fidelity guarantee insurance will protect you from employees stealing from your business.

How much does interior design and renovation business insurance cost?

Cover

Coverage amount (example)

Typical premium

Explanation

Importance for retailers

Commercial property insurance

$100,000

From $100/year

Covers:

          Store premises

          Inventory

          Equipment

          All other store contents

          Plate glass (e.g. shop windows)

Critical

Public liability insurance

$100,000

From $100/year

Covers liability if customers get injured in your store.

Covers liability if you damage other people’s property (e.g. during renovations/repair work).

Critical

Work injury compensation insurance

 

$10 million annual limit (market standard, required by Singapore law)

Sales assistant/cashier: $10/month, per worker

Office-based roles: $5/month, per worker

 

Covers work-related injuries/sickness, including Covid-19 infections.

Critical

Fidelity guarantee insurance

$5,000

From $100/year

Covers employee’s stealing money from you.

Good to have

 

Why use Provide for interior design and renovation contractors insurance?

– Save up to 25% on your premiums for commercial retail insurance
– Compare quotes from multiple insurers
– Industry experts to provide tailored advice
– Available by phone 7 days/week 

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