Graphic Designer Insurance

Professional indemnity insurance for graphic designers will cover a claim of negligence in your work that is alleged to have caused your client a financial loss.

A couple of examples could include:

Negligence

You are responsible for the designs for a major advertising campaign, including out of home billboard advertising. You get your calculations for scaling-up wrong and as a result the artwork you supply is the wrong dimensions for the hoardings and needs to be printed again at the clients’ cost.

Your client is unhappy at the extra cost and decides to pursue a claim to recoup the costs from yourself citing negligent work on your part.

Another instance of negligent work could be that you send a brochure to print that contains an error in it. The artwork needs to be amended and the printing re-run, incurring extra production costs and delaying the rollout of the project. Your client makes a claim for the extra costs.

Professional Indemnity insurance would respond to provide cover for your legal costs in these instances.

With our online quote and buy system you can see a quote for your Graphic Designer Insurance in a matter of minutes. Professional indemnity insurance can start from as little as £98.00 per annum.

Example quote: a graphic designer with an annual turnover of up to £50,000 per annum, with a £500,000 indemnity limit in any one claim, would pay as little as £192.00 per annum for professional indemnity insurance, which we think is great value considering the cover and peace of mind that you benefit from (Figure correct as of 22.11.2021).

Apart from Professional Indemnity insurance, graphic designers are usually asked to carry Public Liability insurance, especially if they work from their clients’ offices.

It’s also important to be aware that as a freelance limited company owner, a claim can be made against you personally with unlimited personal liability. Directors and Officers insurance will protect you in this instance, which is provided as part of our Business Combined Liabilities insurance.

If you employ staff, or you’re looking to employ a member of staff you will be required by law to carry Employers’ Liability (EL) insurance. It is common for graphic design businesses to grow, therefore EL insurance could also be a type of cover you could consider.

Tax Enquiry and Legal Expenses insurance will also provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs of an IR35 tax enquiry.