Interior designer insurance typically combines protection for professional mistakes, business accidents, and the equipment you rely on to run projects. It can help pay for legal defense, settlements, or repairs when a client alleges your design services caused a loss, such as selecting a material that fails in the intended use or producing plans that lead to rework. It can also cover third-party injuries or property damage tied to your operations, like an incident during a site visit or damage caused while staging. Depending on the policy, you can protect your computers, samples, and tools, and add coverage for hired help, studio space, and certain project-related exposures that show up as your firm grows.