INSURANCE REQUIREMENTS
Registrants of IDIBC must maintain adequate Professional Liability/Errors and Omissions Insurance (E&O) when practicing any functions of interior design in the public space.
- Minimum coverage of $1,000,000 per claim/$1,000,000 aggregate is recommended for Registered and Intern members.
- Proof of E&O Insurance (or approved waiver) is required by IDIBC with annual membership renewal.
- Individual registrants should consult an insurance broker or other legal advisors regarding risk of potential claims and coverage requirements.
Non-practicing active registrants of IDIBC who are not providing interior design services to the public as a part of their employment, nor outside of their current employment, must complete a written release waiver of E&O Insurance from IDIBC. For more details on insurance requirements, see IDIBC’s Membership Policies and Procedures.
IDIBC registrants have the option to purchase comprehensive insurance tailored to their interior design practices at discounted rates through PROLINK Insurance. PROLINK’S IDIBC coverage options include:
Professional Liability Insurance (E&O): protects you and your business from allegations of errors, omissions, or negligence committed within the scope of your professional activities.
Commercial Liability Insurance: protects you and your business from third-party claims of injury and property damage caused by your professional activities and/or employee operations.
Property Insurance: protects your Interior Design practice from damage and covers the costs of repairs or replacement for contents, equipment, and furnishings.
Data Security & Privacy Breach Insurance: protects your digital assets and helps you get your business back online in the event of a privacy breach.
Life & Health Insurance: comprehensive, cost-effective Extended Health, Dental, Critical Illness, and Life Insurance plans that provide you with the long-term care, protection, and flexibility you and your loved ones will need.
Disability Insurance: protects your income if you’re unable to work because of a physical injury or ailment.
Contact PROLINK to find out more about the IDIBC member program and get a quote today. IDIBC does not require members to purchase insurance through PROLINK, as long as IDIBC’s minimum insurance requirements are met.
