NCIDQ Interior Design Professional Exam (IDPX) Practice Exam

Professional liability insurance is specifically designed to address claims arising from professional services, such as those given by designers, architects, and other professionals. This type of insurance protects against claims of negligence, errors, or omissions in the performance of professional duties. For interior designers, this is particularly crucial as it covers legal fees and damages associated with design mistakes that could lead to financial loss for clients.

In contrast, general liability insurance typically protects against claims related to bodily injury or property damage resulting from business operations, but it does not cover claims directly tied to professional services or design errors. Property damage insurance focuses specifically on the protection of physical assets from risks like fire, theft, or vandalism, which again does not extend to professional misconduct or errors in judgment. Liability insurance is a broader term that can encompass various types of coverage, but it is not as specialized as professional liability insurance when it comes to protecting against errors related to professional services. Therefore, professional liability insurance is the most appropriate coverage for designers seeking protection from claims related to their design work.