It’s all about the Benjamins, baby/Now what y’all wanna do?/Wanna be ballers?/Shot-callers?/Brawlers — who be dippin in the Benz wit the spoilers/On the low from the Jake in the Taurus – “It’s All About the Benjamins by Diddy
I read that Anderson Cooper is being sued by interior designer, Killian O’Brien, who fell 18 feet through an uncovered fire hole. Killian was working on Anderson Coooper’s firehouse home renovation project in New York where a fireman’s hole was left uncovered after the pole was removed by the project developer. *blank stare* The article got me to thinking about how often interior designers are forced to sue clients as a result of job site injuries, contractor issues, and compensation issues. On the contrary, interior designers are also at risk of being sued by their clients. What if a client is not satisfied with the designer’s work? The contract agreement protects the designer to a degree but the client still has rights. You know what they say “the customer is always right”. Interior designers get most of their business through client referrals. One bad incident between a designer and a client can affect a designer’s chances of getting new clients or repeat business in the future.
Have you ever filed a lawsuit against a client due to an injury at the job site? Has a client ever failed to compensate you for your services? What are a few typical clauses that you put in your client contract agreements to protect you from potential liability issues? If you have a small business or work as a freelance designer out of your home, liability insurance can be pretty expensive.* How do you get around that?
The American Society of Interior Designers recommends five types of business insurance for interior designers: professional liability insurance, commercial general liability (CGL) insurance, employment practices liability insurance (EPLI), and workers’ compensation and property insurance.