Interior Designers of Canada
Professional Liability Program Frequently Asked Questions

By utilizing the group buying power of designers across Canada and our expertise in creating insurance programmes for design professionals, Mumby Insurance has been able to secure a comprehensive programme which meets the needs of most designers. The programme combines group rates, coverage which meets the needs of designers, and efficient claims handling. 

Listed below are some of the answers to the questions we are asked most frequently.   Should you have any other questions, please contact us!

1)   Liability Insurance - Why do Designers Need Liability Insurance?

2)   Definitions - What is the Definition of Interior Design? 

3)   Errors & Omissions and Commercial Liability Insurance - What is the difference between Errors and Omissions and Commercial General Liability Insurance?

4)   Claims Made - What is a 'claims made' policy wording?

5)   Claims - Definition of claims and reporting claims to your broker

6)   How Much - How much insurance should I carry? 

7)   What is Not Coverged - What is not covered by the policy?

8)   Your Application -Why is it important to complete my application thoroughly and accurately? 

7)   Your Broker, how they can help. - Who is your Insurance Broker and how can they assist you?

8)   Who is the Underwriter/Insurer -  Who is the Underwriting Insurer for the Programme?

9)   Type of Covergae Needed - Do I need individual coverage or corporate?

10) Project Owners - Requests from Project Owners 

11) Retiring/Closing Practice - I am retiring or otherwise ceasing practice. What do I need to know? Death, Retirement or Cessation of Business 

12) Working Outside of Canada - I am working outside of Canada what should I know? 

13) Change in operations? - Please notify your insurance Broker if there have been  any changes to your business operation from what was reviously disclosed to our office.

14) Summary of Coverage - Generally, what does my policy cover?


** Note: This document is intended to provide a general outline. The policy wording provides specifics and will have precedence over the information provided herein.



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