Graphic Designers Insurance
What Is Graphic Designers Insurance?
As a graphic designer, you’re responsible for providing a professional service to clients, using your creativity to deliver a service that provides them with the finished product they were hoping for. This service might be design projects where you’re hands-on, or you may provide advice to your clients using your expertise. Either way, it’s important to stay protected with graphic designers insurance. That way, you can ensure that you have financial protection if a client makes a claim against you for negligence or damage. With the help of The Insurance Octopus – a Feefo Platinum awarded company – you can ensure that you have the right level of cover in place to protect you and your business. Better still, we can source and build a tailor-made insurance policy to suit your business and your needs.
For a quick and easy quote for business insurance for designers, complete and submit our online form, or request a call back. Our team will then be in touch to discuss your needs and the most suitable types of cover. With our flexible approach, you can alter all types of insurance if your needs change – we don’t ask for any additional fees for mid-term adjustments, but please be aware that your insurer may charge an additional premium.
Insurance for graphic designers may include the following:
Employers Liability Insurance Cover
This cover is a legal requirement if you have one or more employees, and our cover is £10m as standard. This protects the employer if any claims are made against them, by their employees, as a result of injuries or sickness due to the work that has been done for you.
Public Liability Cover
This cover protects you in the event where a member of the public suffers an injury or property damage as a result of your actions. Standard levels of cover are available from £1m to £5m, although you can make a request for additional levels. This cover protects you from a wide range of costs such as necessary repairs and legal costs.
Professional Indemnity Insurance
This is key because, if issues arise between you and your client, or mistakes are made, PI insurance will protect you in the event of any financial or trading loss suffered as a result of these claims. We source cover from £50,000 to £10m.
Legal Expenses Cover
Without insurance, a legal claim can be very expensive for businesses. This part of the policy will provide financial protection for legal defence costs, any legal advice you need and any other costs that arise during the process.
How does insurance for graphic designers work?
As a graphic designer your clients will look to you for your creativity, art direction and advice at every stage of their projects; all the while you’ll be providing a sound and professional service to ensure they are satisfied. That is why your Graphic Designers insurance package needs to protect you, should a client make a claim against you for any advice or creative work that you provide should they believe it to have caused them damage or you have been negligent in any way.
Through The Insurance Octopus, you will be able to put together a bespoke Graphic Designers Insurance Policy that suits the needs of you and your business to ensure that you are protected. We find Business Insurance policies that are designed to be flexible, ensuring that you can create the perfect package of the essential cover you need in one, simple insurance policy by adding or removing a variety of additional covers.
What your Graphic Designers Insurance Policy includes
Professional Indemnity Insurance for graphic designers
Professional Indemnity insurance is a key element of cover to ensure you stay protected if creative differences arise, mistakes are made or have been claimed to have been made. PI insurance will protect you and/or your business against any financial or trading loss that may be caused. The cover limits are available from £50,000 to £10m.
Employers Liability Insurance Cover
Employers Liability Insurance Cover is required by law if you have one or more employees. Standard Employers Liability Cover is £10m and will protect you as the employer against claims from your staff should they be injured or become ill because of the work they do for you.
Public Liability Cover
Public Liability cover protects you if a customer or a member of the public is injured, or their property is damaged. Public liability Insurance protects you against the cost of repairs or any legal proceedings that could be filed against you. Standard levels of cover are available from £1m to £5m, with additional levels of cover available upon request and subject to insurer’s terms and conditions.
Legal Expenses Cover
Get legal expenses insurance to cover the costs of legal representation.
Associated Claims Costs can cover you if a claim needs to be investigated further or there is a need to bring in expert witnesses in a court hearing. Additional costs associated with a claim that you would not normally have to pay.
Additional covers: Business Interruption, Personal Accident and more
Business Interruption, Personal Accident, Offshore working and more, are all additional add-ons that can be increased or decreased as required. By having flexibility with your Professional Indemnity Business Insurance Policy through The Insurance Octopus, you can make sure your insurance is just what you will need.
Why you need Graphic Designers Insurance?
If your business provides a professional service or gives some form of advice on a consultancy basis then your clients have an expectation of receiving expert guidance and a good service. If this service is not given, the customer could then make a legal claim.
As a graphic designer, you will be providing a specialised creative service on a variety of design projects, and the potential cost to your business if a claim is made could be high. As well as any resulting legal expenses, there could also be a compensation costs to pay if a claim against you is successful, both of which could be detrimental to your business.
The Insurance Octopus works with a selection of UK insurers providing the widest choice of PI insurance to get you the best protection. We can also help to ensure that you have any extra covers you need – such as protecting your business equipment and design software at home, in the office or while on the move. We will help you to put together a business insurance package specifically built around the needs and risks of your line of work.
Sourcing a range of dedicated covers for freelance graphic designers and graphic design firms
Specialist PI Insurance Cover
We cover a variety of trades and occupations, including Graphic Designers Insurance, and are experts in providing Professional Indemnity Insurance which means you will get a bespoke policy that ensures you only pay for the cover you need.
Spread the cost of cover
In most cases, we can provide you with your business insurance and documents on the same day (subject to time of day restrictions). We can also help you spread the cost of your cover via our direct debit facility.
Why choose The Insurance Octopus?
We proudly make buying insurance simple and transparent, and our sourced cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we source cover that offers up to £5 million worth of public liability cover for shops. With more available upon request.
Simple specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
A team that knows your industry
We’ll connect you with an agent who understands many of the challenges you face and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
How it works?
Examples of Graphic Designers Insurance in action
A graphic designer recently completed work on a new logo and brand identity for a major client. Unfortunately, it transpired that she had accidentally conceived a new identity that was very similar to a firm that operated in Spain and Portugal. This meant that an entirely new brand identity and set of logos had to be created and many assets had to be replaced. This is when Professional Indemnity Insurance was there to cover the costs that had arisen from a genuine and unintentional breach of copyright.
Types of professionals we can source
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