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 have been negligent in any way.
With the help of 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. Our personalised business insurance policies 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 customers 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 insurers 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 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, off shore 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 from 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 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 an 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.
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’re also able to help you spread the cost of your cover via our direct debit facility.
Why choose us for your Graphic Designers Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
We can't stop accidents from happening but our Professional Indemnity insurance will give you up to £5m worth of cover - with up £5 million worth of public liability insurance cover also included.
Fast 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.
Specialists who understand your profession
Connecting you with agents who are experts in your field. They understand many of the challenges you face, & can tailor a policy to your needs.
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.
Octopus customer rewards
We pride ourselves on the value we offer our customers, and with Octopus Customer rewards we give our customers a few additional benefits to their insurance such as discounts and offers to save them money.
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.
Graphic designers insurance FAQ’s
Get the answers you're looking for
Why do designers need professional indemnity insurance?
While it’s never anyone’s intention to do a bad piece of work or make a client unhappy, on rare occasion’s clients may claim that a poor piece of work has resulted in a financial loss to them or reputational damage to their business. Professional indemnity insurance will provide cover if this type of action is taken against you, covering your defence costs throughout the legal action. It’s an essential part of trading as a graphic designer.
What level of professional indemnity do I need?
This depends on the size of your graphic design business and the type of work that you’re carrying out. It’s worth checking with any trade bodies that you are registered with as, in many cases, there will be a minimum level of professional indemnity insurance that they require you to have. If you would like a specific discussion on your particular business circumstances then please call us on 0161 968 2041.
Do I need employers liability cover?
If your business employs staff, even on a part time basis, then you are required to have employers’ liability insurance by law. This will cover you in the event that one of the staff on your books sustains an injury at work on or off site. You can be fined £2,500 for each day that you employ people without having employers’ liability insurance, so it’s essential that you make insurance arrangements before the employment begins.
How it works
Examples of graphic designers insurance in action
A graphic example
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.