Common questions about Interior Decorators
Answering the most frequently asked questions about Interior Decorators.
Do I need coverage to work in high-end homes?Gravity Certs2026-08-17T23:42:17-04:00
Strongly advised. Damage severity scales with property value, and many clients require proof before granting access.
Am I responsible for contractors I bring in?Gravity Certs2026-08-17T23:42:17-04:00
Often yes. Collect certificates before work starts, or their claims land on your policy.
Are goods covered in transit to a client?Gravity Certs2026-08-17T23:42:16-04:00
Inland marine covers furnishings and fixtures in transit and staged before install. Property coverage doesn’t.
What if furnishings are damaged during installation?Gravity Certs2026-08-17T23:42:15-04:00
General liability covers damage to the client’s property. Damage to the item you’re installing may be treated differently.
Am I liable for a specification error?Gravity Certs2026-08-17T23:42:14-04:00
Yes. Wrong measurements, materials or finishes are E&O claims, and rework costs are the usual damages.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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