Graphic Designer Insurance Quotes

Do graphic designers need professional indemnity insurance?*

Professional indemnity insurance, also known as errors and omission insurance, is a key cover requirement for graphic designers that will help you sleep easier at night.

Graphic designers need Professional Indemnity insurance as it can help pay damages suffered by a client based upon your services, advice or negligence. It may also cover legal bills for ambient claims against you when you have done nothing wrong.

When a client’s project goes wrong, and/or they don’t meet their objectives, the client may come looking for someone to blame and foot the bill. You could end up liable for a bill far greater than the fees you charged.

If there is another party between you and the client, such as an advertising agency, the lines of responsibility become even more blurred. Who is responsible? Professional indemnity insurance may cover damages and legal bills for graphic designers.

Ultimately its up to each graphic design freelancer, studio head, or small business to decide what cover they need and what cover you can afford. Where you are located ( home or office ), number of staff (sole trader or business with employees ) and type of clients ( direct, large or small, agencies) are some of the factors that will influence your cover choices. The team at SMART Business Insurance can assist in answering any of your coverage questions and help your find suitable and affordable insurance for your graphic design activities.

Why should graphic designers use an insurance broker?*

If you are a graphic designer deciding on whether to use an insurance broker for your professional indemnity insurance it is important to consider that brokers act in the interests of the small business owner. Direct insurers and agents act for the insurer. This can be important especially if you need to claim.

Brokers can help graphic designers by sourcing competitive quotes on policy inception, negotiate with the insurance companies to prevent or limit increases on renewal, remarket your policy to other suitable insurance companies where appropriate, talk to underwriters about policy wordings, industry classifications and terms, talk to insurance assessors during the claims process and repairers where necessary.

• We may act for you – graphic designers – not the insurance
• You’ll receive a competitive quote on a suitable policy
• You receive responsive friendly service.
• You’ll receive a competitive rate on a suitable policy year after year
• You’ll have us in your court if you need to claim
• Monthly payment options
• We’ll do the leg work for you!

Find out more

Health insurance for freelance graphic designers*

Self-employed graphic designers working as sole traders are responsible for their own health insurance. As a freelance graphic designer, not being able to work because of accident or sickness, may mean that you are not earning any income. To help pay the bills when you are unable to work you should strongly consider personal accident and sickness insurance. For more information contact a SMART Business Insurance broker on 1300 542 573 or contact us online.

Do graphic designers need public liability insurance and other covers?*

• Public Liability : public liability is a core business insurance cover – its required for all types of businesses big and small- including graphic designers to cover you against damage to a third person or their property
• General Property – eg: loss of cameras, laptops, computer equipment.
• Business Interruption – to protect against loss of business income.

Public liability, general property and business interruption may be able to bundled into a “business pack” for affordability and ease of managing.