Design & Organisation
Insurance
Design & Organisation
Insurance
Tailored protection in less than 5 minutes, from just £7.49
- Public Liability
- Professional Indemnity
- Medical Malpractice
- Products Liability
Established since 2003
Authorised
Recommended by training, accreditation and membership bodies.
Insurance for Designers & Organisers
Design and organisation professionals bring creativity and efficiency to life, whether you're transforming spaces, planning events, or developing innovative designs. At Westminster, we recognize the unique challenges you face and offer insurance that evolves with your business. Serving interior designers, professional organisers, event planners, and graphic artists, our flexible policies provide the protection you need to continue creating with confidence. Easily updated as your services expand, our coverage ensures you stay safeguarded in this ever-changing industry.
Practices we cover in this sector
See the list of practices we feel would be of most interest to you. If you can't find what you're looking for or offer a more diverse range of services check out our full list.
IMPORTANT TIP: You may find that the business practice name differs a little from what you may call it, but provided that the description matches what you do, this will provide the cover you require.
Accreditation Agency
Acting as an agency for the accreditation of therapies, modalities and business practices.
Conditions:
- Strictly subject to and confined to accreditation of only those therapies, modalities and business practices this insurance policy provides cover for.
Artist
To create art, paintings and mixed media sculptures.
Arts and Crafts
To run group sessions on designing and creating pieces of art and craft out of various materials such as but no limited to textiles (such as cross-stitch, crocheting, embroidery, knitting, lace making, macram, needlepoint, quilting, sewing, string art); wood, metal, or clay (like jewellery, pottery, sculpture), paper (such as calligraphy, bookbinding, collage, origami, papier-mch, and stamping), or glass (like beadwork, stained glass).
Cleaning Services (T3)
Professional services dedicated to the cleaning and upkeep of various environments, such as homes and offices. These services typically involve routine tasks such as sweeping, vacuuming, dusting, mopping, and waste removal. Additionally, they may offer specialized cleaning for carpets, windows, and upholstery, as well as deep cleaning and sanitization.
Community Development Work
To work in specific housing estates to facilitate the formation of residents associations, organise community events for families and children in the estates, link residents to other community groups and services.
Copy-editing, Proofreading and Copywriting
Advising on and supplying high-quality English language materials for web, print, or interaction. This includes ascertaining the client's desired outcomes, editing any supplied copy, translating (or reviewing translations), proofreading, and copywriting new copies as required.
De-cluttering Practitioner
Advising on the discipline and process required to de-clutter your space and your life.
De-cluttering is a thinking process that assists you to make decisions about what to keep and what not to. It is not prescriptive concerning what should be thrown out, but rather the process of how to make your own decisions and develop your own disciplines about what to keep and what to dispose of to best help you meet your goals aims and ambitions.
Conditions:
- The cover specifically excludes any claim arising from the disposal of an item(s) where it is later claimed to have been wanted or valuable.
De-cluttering Practitioner (APDO-UK Member)
Cover is provided to an apdo-uk member whilst engaged in the process of Professionally Organising a home, office or other aspect of life for a client. Professional Organising can include decluttering.
Conditions:
- Cover is subject to Members remaining bound by the apdo-uk code of ethics. Cover is strictly subject a statement signed by the client before services are provided, that the client is responsible for all or any items disposed of in the decluttering process.
Facilitator
A facilitator leads a group about their purpose. It encompasses the support role of a trainer but is not concerned with the actual subject matter or purpose of the meeting except so far as is necessary to guide the group in an effective manner. The role is also likely to assist in the design and implementation of the meeting process and structure best suited, required or necessary for the group to achieve its goals and objectives.
If an independent person is facilitating / leading the process of meetings, retreats, team-building or strategy sessions this provides participants or attendees the opportunity to concentrate all of their attention on the content without the potential distraction of concern regarding meeting structure.
Feng Shui
The Chinese art of positioning objects in buildings and other places based on the belief in positive and negative effects of the patterns of yin and yang and the flow of chi, the vital force or energy inherent in all things.
Gift Wrapping
Providing a wrapping service to make gifts look beautiful. Gifts to be wrapped in unique styles and presented to a professional standard.
Graphic Designer
The design and creation of graphics and artwork for print and the web. Cover is granted only where the Insured : a) obtains the clients sign off on the designs prior to print/launch, b)undertakes sufficient checks prior to the launch/issue of any websites or publications to ensure that they do not contain any potentially defamatory statements, and c) obtains the appropriate licences/permissions prior to the use of third party content/data/IP in any designs/online content or publications.
Conditions:
- Cover is granted only where the Insured : a) obtains the clients sign off on the designs prior to print/launch, b)undertakes sufficient checks prior to the launch/issue of any websites or publications to ensure that they do not contain any potentially defamatory statements, and c) obtains the appropriate licences/permissions prior to the use of third party content/data/IP in any designs/online content or publications.
Henna Body Art
Henna paste is applied to the skin in thin lines through a squeezable tube, much like an icing tube. The henna paste is left on the skin for at least 30 minutes in order for the colour to form.
Hoarding Practitioner
A Professional Hoarding Practitioner provides person-centred practical help, advice, advocacy and support to people affected by hoarding or chronic disorganisation, particularly where there are safety and/or wellbeing issues that need to be addressed.
Home Staging
To prepare a home ready for re-sale or renting. This may include, but is not limited to, cleaning, advising on re-design and colour schemes as well as repositioning of certain household objects such as flower vases etc.
Image Consultant
An image consultant will assist you in the following ways: to align your personal image with your professional goals, assess the impact of your current personal image, stay ahead of the competition with a dynamic and up-to-date appearance, choose the right cuts, fabrics, and prints for your figure, style preferences and lifestyle, discover how to make the most of your own personal colouring, learn how to apply a day make-up in the correct colours, achieve authoritative and accessible looks, discover the best hairstyles and accessories for you, create an easy to coordinate wardrobe for work and leisure, avoid the common pitfalls of image impact and enjoy the increased confidence from looking your best.
Integrative Art Therapy
Art Therapy is a protected title, and it is an offence if you use a protected title if you are not registered with the Health Professionals Council (HPC). It is also an offence to imply that you are one of the professions that the HPC regulates if you are not.
If you have any doubt whatsoever regarding your regulated status please check direct with the HPC. Insurance cover is invalid if you practice without HPC registration.
Integrative Art Therapy is based on the belief that the creative process involved in the making of art (all art forms) is healing and life-enhancing. It combines and co-ordinates different art forms together (visual, music, performing and puppetry are examples of how wide the range of art forms used can be). By creating art and talking about art and the process of art-making with an integrative art therapist, one can increase awareness of self, cope with symptoms, stress, and traumatic experiences, enhance cognitive abilities, and enjoy the life-affirming pleasures of artistic creativity.
Interior Design
To advise on the colour schemes, decor, styles of rooms and general motif. Providing advice and designs for commercial and domestic interior and exterior lighting schemes.
Intuitive Artwork
Producing Creative Artwork intuitively that is being channelled from spirit/angels and using this artwork to sell images that can be used for meditation, visualisation or healing work.
Landscape Design (T2)
Visiting clients on site, surveying and levelling work (measuring garden size and shape, slopes and level changes, soil type etc.) producing sketches and designs, planting plans, etc. Also can include project management of landscaping works.
Conditions:
- Excluding structural landscaping
Membership Association Services
Membership Association Services refers to the range of support and benefits provided by membership bodies to their members. These services can include professional development, networking opportunities, advocacy, access to resources, and setting industry standards. They are designed to support the interests and needs of members within a specific profession or interest group.
Conditions:
- Excludes financial, legal and investment advice
Modelling
To act as a model for third parties to help in the sale or promotion of products and services.
Murder Mystery Event
Murder Mysteries are a range of theatrical murder mystery events held in various venues. The events will include actors and audience participation in a range of murder mystery themes .
Musical Performances
To perform local music events at pubs, weddings, parties and other small local events.
Organising Business Activities
Providing the following services (but NOT as an employee) to small companies. The administrative and clerical tasks involved with managing a clerical team, design and manage internal management processes, interview, recommend and train new clerical employees (but NOT make final employment decisions), process paperwork, record accounts, design and support IT, deal with the clerical aspects of complaints (but not the actual complaint determination) respond to enquiries and support the management when they are unavailable.
Party Planning (T2)
Party planning/consultancy and organizing includes planning and organizing parties as well as other promotional activities, helping to set up and arrange dcor and equipment, setting up themes and/or style of the venue. Includes choosing locations, hiring caterers (excluding the provision of catering services), coordinating with other vendors such as entertainment and florists, and providing entertaining activities as part of the party. This would typically include but is not limited to birthday parties, wedding corners for children, christenings, sleepover Teepees, balloon garlands, anniversaries, pamper parties etc.
Conditions:
- Excluding weddings, pony parties and cover for financial loss due to party cancellation. Limited to gatherings not exceeding 50 people. Children must be supervised by an adult at all times.
Permanent Jewellery
Permanent jewellery refers to a piece of jewellery (usually a necklace, anklet, ring or bracelet) that is welded together instead of secured with a clasp. The process involves using welding tools to attach both ends of the jewellery.
Personal Concierge Service (T3)
Helping individuals or families with organising any aspect of their lives so that they have more time, freedom & energy for themselves.
Personal Photo Organiser (PPO)
Personal Photo Organisers provide their clients with solutions to organising, sharing and securing their digital and film photo collections. Services include: transferring digital photos from devices to a computer, scanning prints and slides, organising digital photos into a logical folder structure (eg. by date/event), arranging printed photos into organised storage boxes, editing of digital photos, creating traditional photo albums and digital photo books, creating other personalised photo products, creating video slideshows, converting outdated media into viewable formats, installing back up systems and technology instruction/education. Solutions are provided for clients to either have the work undertaken for them, to have the PPO working alongside them, to show clients how to do it themselves or a combination. Consultations, photo gathering and backing up may be undertaken in person, by post or remotely. Personal Photo Organisers ensure, prior to the commencement of any work, that they have obtained a signed statement from clients to confirm that they are the Copyright or License Holders of any images and photographs provided to the PPO. The role of a Personal Photo Organiser is recognised and supported by the Association of Personal Photo Organizers (APPO) and the Association of Professional Declutterers & Organisers UK (APDO-UK), who both have Codes of Ethics for their members to adhere to.
Photography
Taking professional photographs, typically working with (but not restricted to) models, designers, aerial shots and weddings.
Photography
Portrait photographs of people or animals, or photographs to commemorate an event such as a wedding.
Professional Organiser
A Professional Organiser (PO), engages in the following activities (assuming the activity is reasonable within the context of a PO role):
time management - paper management & filing systems - clutter control - space planning - wardrobe organising - event planning - errands - personal shopping - book-keeping - home office matters - financial management - memorabilia/photographs -packing/moving -
information management - training - computers -kitchens - cleaning - downsizing - relocating - students - organising of any sort - children's rooms - public speaking / seminars / training - Feng Shui - coaching within the organising context - space clearing - home staging - interior design - project management - concierge services eg finding, booking trades people
The practitioner will focus on:
- acting as a practical enabler and/or coach
- improving the safety and wellbeing of clients, whether in the home or the workplace
- maximising functionality, efficiency and comfort using effective processes, storage and organising solutions
- where necessary, expediting the removal of unwanted items
- ensuring appropriate and responsible sale, donation or disposal of such items
- helping clients to adopt positive and workable habits and processes for the future.
Conditions:
- Cover is wholly conditional upon adherance to a professional code of ethics at all times, and written confirmation from the client that all decisions to dispose of items remain with, and are the responsibly of, the client at all times.
Professional Organiser - APDO-UK member
A Professional Organiser (PO), as an APDO member may engage in the following activities (assuming the activity is reasonable within the context of a PO role) Time management Paper management & filing systems Clutter control Space planning Wardrobe organising Event planning Errands Personal shopping Book-keeping Home Office matters Financial management Memorabilia/photographs Packing/moving Information management Training Computers Kitchens Cleaning Downsizing Relocating Students Organising of any sort Children's rooms Public speaking / seminars / training Feng Shui Coaching within the organising context Space Clearing Home staging Interior design Project management Concierge services eg finding, booking trades people The practitioner will focus on acting as a practical enabler and/or coach improving the safety and wellbeing of clients, whether in the home or the workplace maximising functionality, efficiency and comfort using effective processes, storage and organising solutions where necessary, expediting the removal of unwanted items ensuring appropriate and responsible sale, donation or disposal of such items helping clients to adopt positive and workable habits and processes for the future
Conditions:
- Cover is wholly conditional upon membership of APDO and adherance to the APDO code of ethics at all times, and written confirmation from the client that all decisions to dispose of items remain with, and are the responsibly of, the client at all times.
Report Preparation
To prepare and or audit a report(s) as disclosed to and agreed in writing by the underwriters agents.
Conditions:
- Subject to: The report-writing role ends at the report-writing audit stage and the writer is not responsible for ensuring that the plan is carried out in the correct manner.
Please note that all cases for this class of cover are considered on an individual basis, so acceptance of cover for this class of business area is NOT automatic.
Secretarial/admin or PA
Secretarial work involving: data work - inputting and managing/producing data: Book-keeping - some basic book-keeping but not full time: Telephone - answering/making telephone calls as required: Diary management - arranging meetings: Travel arrangements - making travel/hotel bookings.
Special effects/theatrical make up/airbrush make up
Application of wigs, false hair, prosthetics, latex, foam, paints etc.
Sustainable Living Consultancy
Assisting clients to become more socially and environmentally responsible in how they operate. Raising awareness and promoting clean, eco-friendly and sustainable lifestyles to those looking to reduce their carbon footprint and make more ethical and environmentally friendly choices in day-to-day life. The services may include but are not limited to, assessing current lifestyle choices, discussing personal goals and what changes one needs to make, providing guidance etc.
Conditions:
- Excludes financial, legal and investment advice
- Excluding abuse advice.
Tooth Gems
Tooth Gems is the process of attaching jewels to the surface of the teeth with an adhesive designed to hold them in place for a longer period of time (usually 3+ months). The application process is quick non-invasive and entirely reversible. Also includes removing the attached tooth gems.
Tour Guide
Responsibilities include planning activities and travel itineraries, entrance to attractions/events, and familiarizing customers with the locality by vehicle or foot, ensuring that the group remains safe at all times.
Conditions:
- Appropriate risk assessments to be carried out prior to completion of itinerary.
Voiceover Recording
Recording voiceovers for (including but not limited to) TV & radio commercials, websites, and recorded telephone and book recordings.
Wedding Coach
Designing and arranging hen weekends, management of the wedding on the day and general Bridal Coaching.
wedding stylist/florist
Design and provision of wedding and bridal flowers, decor items for ceremony and reception.
Writing Skills Training
For individuals to increase their personal effectiveness through their written communication by writing clearly, concisely and accurately
How our insurance protects you
Combined Business Insurance provides crucial protection. This core bundle is at the centre of every policy, offering comprehensive protection by combining Professional Indemnity, Medical Malpractice, and Public Liability insurance in one policy. So you can grow your business with confidence, while you are protected for the following:
- Public Liability Protection.
- Professional Indemnity.
- Medical Malpractice.
- Product Liability.
- Breach of confidentiality.
- Defamation, Libel & Slander.
- Dishonesty of employees.
- Your work as a subcontractor.
- Subcontractors work for you.
- Loss of documents.
- Breach of intellectual property.
- Public relation expenses.
Extra protection available
The beauty of our insurance is that you can choose exactly what you need and have as little or as much cover as your individual requirements dictate.
Cyber Liability
Designed to tackle the problems associated with your computer systems, websites and emails.
Workplace Contents
Protection for your office essentials, from computers and furniture to documents and signage.
Employer's Liability
Employee Liability insurance is a legal requirement if you have employees.
Personal Accident
Cover should you suffer a serious accident which leaves you unable to work or leads to your death.
Portable Equipment
Includes mobiles, laptops, cameras and video equipment, tablets, exhibition equipment, tools and more.
Why businesses in the organisation and design industry need Insurance?
In the design and organisation industry, creativity meets client expectations, and sometimes things don't go as planned. You might face claims of infringement of privacy, damage to the clients property, or a client may be unhappy with the final design or organisation outcome, leading to claims of negligence. Unexpected delays in project completion can result in financial losses and client disputes. Accidents and delays like this can result in legal action.
Read our guide for Qualification Requirements
Having the correct level of experience or qualifications necessary to offer a service is...
Read Here >>How things can go wrong
Why Westminster
Highly Recommended
By Accreditation bodies, Training Schools and our Clients
Over 20 Years Experience
Helping thousands of customers along the way
Customer Portal
Manage and Update your policy easily as you grow
Family Run Business
Big enough to lead. Small enough to care
Full support in the event of a claim
Giving comfort and removing the hassle and stress.
First class friendly help on the phone
No salesmen, no gimmicks! We just make insurance easy.
Fast, easy online quote, 24/7
Get your quote and insurance document - within minutes.
Why Westminster
Why Westminster
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Comprehensive Protection
Safeguard against claims for accidental injuries, illnesses, or property damage, keeping your business secure.
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Flexible Coverage
Tailor your insurance to fit your unique needs, whether you're flying solo or part of a larger team.
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Confidence and Trust
Offer peace of mind to yourself, your team, and your clients, knowing that you're prepared for whatever comes your way.
Full support in the event of a claim
Giving comfort and removing the hassle and stress.
First class friendly help on the phone
No salesmen, no gimmicks! We just make insurance easy.
Fast, easy online quote, 24/7
Get your quote and insurance document - within minutes.
Julie Shires
Professional Organiser
The team are always very helpful, knowledgeable, and approachable.
Susan Grier
De-cluttering practitioner
Exceptionally professional & user friendly. Customer service is personal and friendly, which is very rare these days!
FAQ's
Can I add multple practices onto one policy?
Absolutely! You can include as many practices as you need on a single policy, and you will only pay for the highest cost one. Here's how it works:
All in One Policy: List any number of practices without worrying about extra charges. Regardless if they are practices from different sectors.
Risk Levels Matter: Instead of charging for each practice, we charge based on the highest risk level of the practices you've chosen. Our tiers range from 1 (lowest risk) to 5 (highest risk).
One Cost, One Tier: So, if you include practices with different risk tiers, you'll only be charged according to the highest-risk practice on your policy. For example, if you have five Tier 1 practices and two Tier 5 practices, your rate is based on one Tier 5 practice.
Can I pay monthly?
Yes, but it depends on what you're purchasing:
New Policy: When buying a new policy, you can choose monthly payments to spread out the cost. Keep in mind that it's still an annual policy, so you need to keep up with the monthly payments.
Renewing a Policy: If your current policy is due for renewal soon and you're currently paying yearly but would like to pay monthly, or vice versa, that can easily be changed online by following the link in your renewal email.
Adding Extra Cover: If you add extra cover (like portable equipment) to an existing policy mid-term, the full amount for the add-on is due at the time of purchase.
How much does business insurance cost?
The cost of business insurance varies based on several factors, including your annual income, the level of cover you choose, the number of people included in the policy, the services you provide, and whether you need overseas coverage or any of the add-on products.
The best way to find out how much it will cost for your business is to get an instant quote—it only takes a few minutes.
Get a Quote Now
How do I submit a claim?
If you need to file a claim, simply log into your account and go to the Claims page to submit the details.
If you're not sure if you need to make a claim or want to talk about a situation that might lead to one, give us a call at 01305 839939 (Monday to Friday, 9 AM - 5 PM excluding bank holidays) or send an email to claims@westminster.global with a brief description of what happened. We're here to help you through the process!
What is business insurance, and do I need it?
Business insurance (Professional Indemnity, Public Liability and Medical Malpractice) provides your business (and you personally if you are a sole trader) with an essential safety net, offering vital protection against the stress and financial impact of respondin to a Claim. Without insurance, if you are faced with a Claim, you will need to fight this battle on your own or appoint solicitors to help you. The first option is unadvisable, time consuming and stressful. The second option is costly.
Remember, that should the very worst happen and there is a large compensation payment to make, the business has to find the funds to pay it - do you think it likely that it will have large amounts of spare funds?. If the business isn't incorporated, then it is your personal assets that will be used to make the payment.
Insurance provides a very cost effective option, peace of mind and security for your business.
How do I know what type of insurance my business needs?
Choosing the right insurance for your business depends on what kind of work you do, the risks involved, and any legal or contractual requirements.
To make it easier, try our Insurance Checker under Resources---just answer a few quick questions, we'll guide you through the right coverage.
Can I customise my insurance policy to suit my business?
Absolutely!
We have coverage tailored to fit you, so you only pay for exactly what you need. You can customise your policy based on the size of your business, what services you provide and what cover level you want. With hundreds of business practices to choose from, you can add as many as you like to one policy (provided you meet the requirements).
The best part is - if things change, your policy can change with you. All of our policies are adjustable so if you need to add cover for a new service you are offering, or you get a new employee, or simply want a higher cover level you can simply login to your Account and adjust your policy.
We understand that businesses change and grow, so that's why your protection can grow with you.
Do freelancers need business insurance?
If you are offering any service, whether you are receiving payment or, and whether it is to the public or friends and family, it is advisable to have business insurance. Whether you are a Limited Company, a freelancer/sole trader, partnership or group, the same risks apply. By offering a service you are exposed to the risk of having a Claim made against you.
How quickly can my coverage start?
The cover is in place immeditaly and creating a quote only takes a couple of minutes
Do you offer business insurance for sole traders?
Yes we do. We offer cover for Sole Traders, Self-Employed, Freelancers & Students.
Can I add more business practices during the policy term?
Yes, absolutely! You can easily add additional business practices to your policy at any time through your online account—no need to call or email.
If the new practice falls within the same or a lower tier, there’s no extra charge. However, if it falls into a higher tier, there may be an additional cost, which will be clearly shown before you confirm the update.
Simply log in to your account, go to the Policy section, choose Edit business practices and choose what you want to add.
Important Note: If your update requires an additional payment, it must be paid in full at the time of the change—it cannot be spread across monthly instalments. Your updated coverage will still follow the original policy expiry date.
How Does Combined Business Insurance Work for Claims?
Our policy is 'Claims made' and covers Professional Indemnity, Public Liability, and Medical Malpractice Insurance under one simple policy. But what does that mean when it comes to claims?
Here’s an example:
You run a sports and health coaching business and have £1,000,000 in cover.
- A visitor trips at your office and breaks their arm. They claim £50,000 under Public Liability Insurance.
- A client claims your coaching didn’t deliver results and says it cost them their job. They claim £100,000 under Professional Indemnity Insurance.
That’s £150,000 in claims—plus legal fees and reputation management costs
Since your policy covers all three types of insurance, and you report the claims promptly, we cover the costs up to your chosen limit.
In short: If a claim arises during your policy term and meets the policy criteria, we’ve got you covered—legal costs included.
Get your free online quote today
Welcome to a different kind of insurance experience for small to medium-sized businesses - from salon owners and business consultants to tattoo artists and yoga instructors.
