Designer insurance
What is business insurance for graphic designers?
As a graphic designer, providing high quality and precise work for your clients is your bread and butter. Maybe you’re working across billboard advertising campaigns, printed materials for university prospectuses, brands, or charities or even a website for a start-up business.
Whatever the requirements, your clints rely on your designs. That’s where business insurance comes in – it’s there to protect you and your business in case the designs you provide cause a client to lose money.
Why do graphic designers need insurance?
The designs that you supply to clients will be used by their business, which means if a client loses money as a result of your work, you’ll be responsible for any claims that arise.
As well as the impact of any professional claims, you may also have a premises, employees, and essential tech – such as your laptops, tablets, drawing tablets and printing equipment - to protect. If you do, then it’s important these are covered so that business doesn’t have to stop if something goes wrong.
Here are some scenarios you might have to consider:
Your client suffers a loss
- Client commissions are the bread and butter of your business so when something goes wrong and a client suffers a financial loss, you might end up facing a claim. Professional indemnity insurance protects you if you’re found to have provided poor services, bad advice or dodgy design, which has resulted in your clients or others losing money.
There’s been a breach of copyright
- Your work is one of a kind and you rely on originality to sell yourself and your services. Navigating copyright law can be tricky for any business, but it’s especially important for creative professions like yours. If you’re ever on the receiving end of a copyright claim, business insurance can help.
Your brand-new technical equipment breaks down
- Graphic design is a very hands on job and requires a lot of technical equipment – such as design software, drawing tablets, scanners, printers and more. Without your equipment, you can’t get the job done. For protection against breakdown, damage or theft, business equipment cover has got your back.
A client is visiting your office and suffers a fall
- Client consultations are important in design work to make sure you’re understanding the vision for your next project. Accidents can happen at any time, so if you’re hosting clients at your premises then it would be wise to have protection in place just in case someone trips on a loose cable or a wet floor.
What insurance do graphic designers need?
Below are the covers that are graphic designers can choose from to design their perfect package.
Professional indemnity
Up to £5 million cover if you’re found to provide advice, design or suggestions that have caused a financial loss for a client. Plus choose from optional extras like data protection and breach of copyright.
Find out more about professional indemnity insuranceBusiness equipment insurance
With this optional extra cover to your business insurance, you’ll get protection for all the essential equipment needed to keep your business up to scratch. Whether it’s drawing tablets, laptops, tablets or more – we’ve got your back.
Find out morePublic liability insurance
Up to £5 million cover to protect you if someone makes a claim against you because they were accidentally injured, or their property was damaged due to your business. It covers the cost of legal fees and any compensation.
Find out more about public liability insuranceEmployers’ liability insurance
£10 million cover to protect your staff if they’re injured or become ill as a result of working for your business. It’ll help pay for damages, compensation costs and legal fees you may need to cover.
Find out more about employers liability insuranceContents insurance
Safeguard the contents of your workspace – from chairs, desks and office kitchen equipment – whether you work from your own base, a rented studio or your own premises.
Find out more about contents insuranceHow much does graphic design insurance cost?
The cost of your insurance will depend on the covers that you decide to take and the level of cover your need. There are certain factors that can affect the cost of your cover, such as:
- Where you work – If you work from a premises, then the location of your business might impact the cost of your cover. This is because the higher the footfall coming through your business, the higher the risk of an accident happening.
- Whether you work alone, or have employees – If you have employees, then you’re legally required to have employers’ liability cover, which will increase the cost of your cover.
- Your turnover – This affects your policy as a higher annual turnover suggests that you work woth a larger volume of clients, more expensive contracts, or a combination of both.
- If you added any optional additional covers – We offer a variety of additional covers that you can choose from to give you that extra piece of mind. Depending on what additional covers you add, and how many you choose, this will affect your overall price.
If you’d like to know how much you might pay for business insurance with AXA you can get a quote online now – plus, you’ll save 10%* for getting a quote online.
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Frequently asked questions
Is insurance a legal requirement for graphic designers?
Insurance only becomes a legal requirement if/when you start to take on employees of any kind. At that point you’re required by law to have employers’ liability as a bare minimum.
Is my design equipment covered with insurance?
Yes, you can get cover for any of the equipment you use in connection with your design business. That means laptops, drawing tablets, digital pencils, printers and more. If you’d like to learn more about what we can cover you for, check out our business equipment page.
Are freelance graphic designers covered under business insurance?
Yes, we offer cover that is suitable for freelance designers. The main difference with your cover as freelance graphic is designer is that you may find that you don’t need certain covers related to having a physical office or premises, such as contents or buildings cover.
What expenses can I claim as a graphic designer?
There are several allowable expenses that business can claim to help save a little more, so if you’re interest you can read all about them in our handy article - Allowable business expenses: what are they?.
On top of several other expenses, it’s worth noting hat the following types of insurance are all able to be claimed as a business expense:
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Optional extras
Business equipment cover
Mobiles, tablets and laptops – keep the technology that’s the lifeblood of your communications business protected with this equipment cover, and get help to replace damaged or lost devices.
Find out more
Legal expenses
£1 million cover for specialist legal support, a 24/7 legal advice helpline** and specialist options – simply add to any of our core covers for additional protection.
Find out moreBusiness advice
*This discount is applied automatically and lasts for the lifetime of your policy.
**The guidance is provided on behalf of AXA by Arc Legal Assistance Ltd who are authorised and regulated by the Financial Conduct Authority.