Interior Decorators

What Does GL Code 96611 Cover?

ISO GL class code 96611 covers businesses primarily engaged in interior decorating services, including design consultation, space planning, material selection, and project coordination. This code classifies operations involving aesthetic and functional enhancements to interior spaces, often encompassing the specification and procurement of furnishings, fixtures, and finishes. It addresses the general liability exposures associated with advisory services and the oversight of installation work performed by others.

Who Uses This Class Code?

This code applies to interior design firms, independent interior decorators, home staging professionals, and color consultants. Businesses specializing in residential or commercial interior styling, as well as those offering renovation design management, fall under this classification.

Common GL Claims for This Class

Common GL claims for interior decorators include property damage to a client's home or business during a site visit or while overseeing work, such as spilling paint on flooring or damaging existing furniture. Another frequent claim involves bodily injury to third parties, such as a client tripping over design samples or tools left in a workspace.

Coverage Tips for Code 96611

• Ensure your General Liability policy includes coverage for 'Damage to Property of Others in Your Care, Custody, or Control,' as you frequently handle client furnishings and property.
• Verify that any subcontractors you hire, such as painters or installers, carry their own adequate General Liability insurance and name your business as an additional insured.
• Consider Professional Liability (Errors & Omissions) insurance, as GL policies typically exclude claims arising from design errors or professional advice that leads to financial loss.
• Maintain meticulous records of client approvals for designs and material selections to mitigate potential disputes and provide evidence in case of a claim.