1. Receive the claim.

You’ll usually know a claim has been made once you receive a formal notice or statement of claim by mail, email or personal delivery. In some cases, you might have reason to suspect or anticipate a claim before you’ve actually been served, such as when:

• A client or their lawyer issues a written or verbal demand for damages;
• A client or their lawyer makes comments suggesting they may sue; or
• You realize you may have made a professional error that caused harm to a client or third party (e.g., contractor).

If you suspect or receive a claim, do not:

• Admit fault or offer to settle;
• Change past project records; or
• Seek independent legal services before notifying your insurer (any fees incurred may not be reimbursed).

2. Report the claim.

Even a suspected claim should be reported right away. The faster you act, the faster your insurer can start building your defence. Delays can result in lost evidence, limited legal options, or even denial of coverage.

You can report claims to PROLINK directly at 1 800 663 6828 or interiordesigners@prolink.insure from Monday to Friday from 8AM to 5PM. For urgent after-hours claims, you can also contact your insurer directly and they’ll loop us in the next day.

3. Prepare documentation.

Once your claim has been reported, our team will guide you through the paperwork to confirm it meets your policy’s terms. Provide as much detail as you can, including:

• Project timelines, key dates, and everyone involved;
• Signed contracts, design plans, change orders, or vendor agreements;
• Emails, texts, or other client communications;
• Invoices, receipts, and records of expenses; and
• Photos of the space, materials, or damage.

The more complete your documentation, the easier it is for your insurer to assess the situation and start resolving your claim.

4. Let us take care of the rest.

After you’ve submitted everything, your broker and insurer will take the lead—managing paperwork, liaising with legal counsel, and advocating for your best outcome. That way, you can focus on running your design business while they work to resolve the matter as smoothly as possible.

If you’re lucky, you might never have to make a claim against your insurance. But in interior design, disputes can easily arise from creative differences, budget changes, or construction delays. And when a single allegation can threaten your finances and reputation, having the right team by your side matters.

With 40+ years of experience and over a decade of supporting Interior Designers, PROLINK has the expertise to provide superior protection, an exceptional claims-handling approach, and personalized client service just for you. We’ll take care of you so you can take care of your clients.

To learn more, connect with PROLINK today!