Problematic situations will pop out of nowhere in your career as a graphic designer. Protect yourself and turn things around with graphic designer insurance. This guide will teach you what this is, how much premiums cost, the best companies, and more.
Graphic designer insurance pertains to an insurance product that includes the following business insurance policies:
General liability insurance
Professional indemnity insurance
Cyber liability insurance
Commercial property insurance
Workers compensation insurance
Commercial auto insurance
Business owner’s policy
So who is eligible for graphic designers insurance? This is available if you’re a:
Web graphic designer
UI graphic designer
Advertising and marketing graphic designer
Animation and motion graphic designer
Video game graphic designer
Illustration graphic designer
Packaging graphic designer
Publication graphic designer
Graphic design firm owner
Professional liability, general liability, and cyber liability policies are types of graphic design liability insurance you’ll find very useful.
Professional indemnity insurance for graphic designers covers costs if a client experiences economic or financial losses because there are issues with your work.
By the way, just a friendly tip; Ask a lot of questions before making the comp and mock-up if clients say they’ll leave the outcome of the project to your expertise.
Going back to the topic, this business insurance for graphic designers will cover reimbursement for losses, settlements, and defense costs if a client files a claim because you committed the following:
Violation of confidentiality
You are not legally required to get professional liability insurance. However, you’ll find it hard to get projects without this policy.
Insurance companies underwrite the professional liability insurance of graphic designers as a claims-made policy. This means that you must file a claim on the time a covered peril happened to get covered.
Professional liability insurance provides $1 million-$2 million coverage for each claim. Remember that the total amount of coverage you get can’t exceed $2 million or $4 million.
Some insurance companies can increase the limits of their professional liability insurance if you need more coverage.
Some clients provide their market research, business data, and other sensitive information, which you incorporate into a design.
The thing is clients might file a lawsuit if such sensitive information is exposed due to a cyberattack or your negligence.
And so, cyber liability insurance is a must if you’re a graphic designer. This graphic design business insurance will take care of the following costs if a data breach happens:
Expenses for containing the breach
Public relations expenses for informing clients about the breach
Business income loss in case you need to close temporarily to contain the breach
Defense costs and settlements if clients file a claim because the breach exposed their information
Credit and fraud monitoring services for you and your clients
The answer is no. Cyber liability insurance doesn’t reimburse your financial losses if designs, software, and other important information get lost because of the breach.
General liability insurance is useful if you own a graphic design firm that operates in a commercial building or condo.
Clients, deliverymen, and other third parties can trip over something or slip.
Do you know what will happen if they sustain injuries or property damage because of the accident? Right on point, a claim will be filed.
Insurance companies underwrite general liability insurance for graphic designers. Its primary function is to cover costs if you’re liable for bodily injuries or property damage third parties sustained:
Medical payments-General liability insurance comes with a medical payments coverage that you can use to get the injured party treated. You can also use this to provide reimbursement in case the claimant used their own money to get treatment
Reimbursement for property damage-You can use general liability insurance to refund the losses of the claimant in case their property got damaged due to an accident you’re liable for
Settlements-Not only is it costly, but a lawsuit will take a lot of your time. This is why it’s better to wrap things up by settling. General liability insurance is useful because it can cover the compensation for the claimant’s pain, suffering, and losses
General liability insurance will also help you sort out other claims. Insurance companies include the following additional coverages in general liability insurance.
Advertising Injury Coverage
Advertising injury coverage covers defense costs and settlements if you’re sued for slander or libel. But most importantly, include this in general liability insurance so that it can sort things out if a third party accuses you of committing copyright infringement.
Rented Premises Liability Coverage
Are you planning to rent a commercial condo or building? If this is the case, include rented premises liability coverage in general liability insurance.
With rented premises liability coverage added, general liability insurance can reimburse the losses of the landlord if fire damages or destroys the commercial condo or building due to your negligence.
Non-Owned/Hired Auto Liability Coverage
You must include hired/non-owned auto liability coverage to general liability insurance if employees use their own vehicles while dispensing duties.
This will cover indemnification if employees cause an accident that results in injuries or property damage to third parties.
General liability insurance for graphic designers grants $300,000-$2 million coverage every time you face a claim for bodily injury or property damage.
You can get $1 million-$2 million coverage from general liability insurance if a third party files a claim for slander, libel, or copyright infringement.
General liability insurance provides $100,000-$250,000 to cover your liability over a rented commercial condo or building.
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Considers getting commercial property insurance if you own a graphic design firm that operates in a commercial condo or building. This type of graphic designer insurance policy will protect the commercial condo or building as well as the contents inside.
Commercial property insurance will recover financial losses and allow you to continue business operations if your graphic design office is destroyed or damaged by:
You can also use commercial property insurance if the perils above cause the damage or loss of the objects inside your graphic design office. Things commonly covered are:
Graphic design tablets
Laptop and desktop computers
Commercial property insurance for graphic designers comes as a replacement cost policy. This means that it will reimburse your loss based on the original market value of the business property covered. Here’s an example:
One night, the computer of your graphic design firm was left turned on. It grounded and later caught fire. The fire intensified and engulfed the entire office, which cost $300,000 to build. When you use your commercial property insurance, you will receive the same amount.
The commercial property policy that carriers include in their graphic designers insurance plan doesn’t cover the following perils:
Moreover, commercial property insurance won’t cover software and other important data stored in computers that got damaged or lost.
Insurance companies leave it up to you to decide the limits of commercial property insurance. The minimum amount of coverage is $5,000-$10,000 while the maximum is $1 million or more. It all depends on which insurance company you work with.
Get equipment insurance and enjoy further protection for your graphic design camera, laptop computer, desktop computer, tablet, monitor calibrator, and other tools.
You can spill coffee on your graphic design tools or drop them. It’s also possible for someone to steal such valuables. And so, equipment insurance is useful because it covers repair or replacement expenses when such things happen.
Note that equipment insurance can also help if your graphic design tools get damaged or lost due to:
Breakdown or malfunctions
Insurance companies offer equipment insurance as a stand-alone policy. But note that some carriers allow you to get this as an add-on to commercial property insurance or general liability insurance.
Depending on its underwriter, equipment insurance provides $2,500-$5,000 insurance money you can use to repair or replace graphic design tools that got damaged or lost.
While graphic design is less risky as compared to construction, cooking, or trucking, purchasing workers' compensation insurance for yourself and your employees is a great decision.
This type of graphic design insurance policy takes care of workplace injuries or diseases, which can be too expensive for you to pay. In connection, you can use workers' compensation insurance when you or an employee sustains or experiences any of the following because of work:
Slip and fall accident while in the office
Loss of vision
To add, workers' compensation insurance will cover the following costs if an employee or you sustains a work-related injury or disease:
EMT Service and Medical Treatment
Workers' compensation insurance provides the money you can use to rush yourself or an injured worker to the hospital and get emergency medical treatment.
Hospital bills are covered by workers' compensation insurance if you or an employee is admitted after sustaining a severe work-related injury or disease.
Workers’ compensation insurance covers lost wages while you or an employee is healing at home or at the hospital. The policy provides a weekly allowance equal to two-thirds or 67% of the average weekly wage.
You or an employee can count on workers' compensation insurance to provide money in case the physician prescribes medications for a work-related injury or disease.
Workers' compensation insurance allows you or an employee to get rehab to recover from a work-related injury or disease fully.
Workers' compensation insurance provides retraining benefits if a work-related injury or disease made you or an employee unfit to work. While you or an employee is enrolled in a retraining program, workers comp provides an allowance equal to two-thirds or 67% of the average weekly wage.
Work-related injuries or diseases can result in death. And if this happens to you or an employee, workers' compensation insurance will take care of funeral costs. Dependents will also receive an allowance from the policy.
If you own a car and use it to meet clients and accomplish other tasks, we suggest you get commercial auto insurance.
Commercial auto insurance provides comprehensive protection while you’re using your automobile for business purposes. You can get the following coverages from this policy:
Auto Liability Coverage
The auto liability coverage of commercial auto insurance kicks in if you cause an accident while:
Driving to the office
Driving to meet a client
Using the vehicle to fetch an important client
Driving to go home from the office
Using the vehicle to haul supplies for your graphic design business
In addition, auto liability coverage pays for the following costs that result from the accident that you’re responsible:
Medical treatment of third parties who sustained injuries because of the accident
Reimbursement for the losses of third parties if the accident damaged their property
Defense costs if third parties decide to sue you for the accident
Physical Damage Coverage
Physical damage coverage provides the funds you can use to cover parts repair or replacement if your business auto sustained damage. This coverage of commercial auto insurance is sold as:
Collision coverage-Takes care of repair or replacement costs if your business auto sustained damage after colliding with an object or another vehicle
Comprehensive coverage-Shoulders expenses if fire, theft, vandalism, and weather damaged your business auto
You must know that physical damage coverage doesn’t take care of:
Wear and tear
Medical Payments And Personal Injury Protection Coverage
Medical payments and personal injury protection coverage protect you and your passengers.
So how do these differ?
If an accident happens, medical payments coverage will cover you and your passenger's medical treatment.
On the other hand, personal injury protection doesn’t only take care of medical treatment but also lost wages, rehabilitation, and medication.
You can get graphic design insurance as a business owner’s policy. A business owner’s policy typically combines general liability insurance and commercial property insurance.
However, the BOP of different carriers doesn’t only have these two policies but also offers workers' compensation insurance, cyber liability insurance, commercial auto insurance, and more.
By getting a BOP, you will enjoy cheaper rates as it's more cost-efficient than buying different types of insurance policies separately. Also, it’s easier to pay premiums and manage your insurance.
Graphic design insurance cost $33 per month or $396 per year for a $1 million general liability policy. In addition, here’s a table that shows the rates of the best graphic design insurance companies:
|Cost per Month||Cost per Year||Best for|
|NEXT||$22.67||$272.04||Best overall; Fastest general liability insurance for graphic designers|
|CoverWallet||$28.69||$344.28||Graphic design insurance quotes comparison online|
|Hiscox||$29.16||$349.92||Graphic designer cyber liability insurance|
|Tivly||$30.52||$366.24||Comparing graphic designer insurance quotes over the phone|
|Thimble||$33.41||$400.92||On-demand graphic design insurance|
Compare quotes to get the most comprehensive protection at the most reasonable rate. Click the “Get Quotes” button on this page and compare the offers of brokers and insurance companies for free.
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These are the best graphic design insurance companies. Read to know their pros, cons, and rate for a $1 million general liability insurance.
Issues an online proof of insurance instantly
Great customer service and reputation
Outstanding value for money
Get a 10% discount if you buy two or more graphic designer insurance policies
Couldn’t find any
NEXT graphic designer insurance offers commercial property and general liability insurance policies. Note that you can avail professional indemnity insurance as part of this company’s general liability policy.
This company’s general liability insurance provides $300,000 minimum coverage for bodily injury or property damage claims. You can upgrade at an additional cost to increase the limit up to $1 million.
Upgrading will also add professional indemnity coverage that has a $1 million per occurrence limit with a $2 million aggregate.
As for the commercial property insurance from NEXT, this provides a $120,000 minimum building coverage and $15,000 contents coverage. Equipment breakdown is automatically covered.
You also enjoy $2,500 coverage for outdoor signs, money, and securities. Last but not least, NEXT’s commercial property insurance also takes care of employee dishonesty and provides $5,000 coverage.
Best for: Best overall; Fastest general liability insurance for graphic designers
Average cost: $22.67 per month
Our rating: 10/10
Professional liability insurance automatically covers your independent contractors
Name additional insureds for free
No hidden charges
Call and cancel your coverage anytime
Compare graphic design insurance quotes online for free
Doesn’t underwrite graphic design insurance but sells it on behalf of partners
CoverWallet’s graphic designer insurance offers general liability, professional indemnity, commercial property, and other insurance policies.
This company’s graphic design general liability insurance provides $1 million coverage to each claim for bodily injury or property damage. Moreover, it has a $5,000 medical payments coverage, a $100,000 coverage for your liability to rented premises, and a $1 million product and completed operations coverage.
CoverWallet’s professional indemnity insurance for graphic designers provides $1 million coverage for each claim. Aside from employees, independent contractors are automatically considered insureds.
Best for: Graphic design insurance quotes comparison online
Average cost: $28.69 per month
Our rating: 10/10
Compare graphic designer insurance quotes over the phone
Responsive customer service
Refers you to partners if it can’t provide coverage
Doesn’t issue online quotes
Tivly (formerly CommercialInsurance.NET) sells workers' compensation, general liability, professional indemnity, and other business insurance policies for graphic designers. You need to call to know the particulars of the policies sold by this company.
Call Tivly now to compare graphic design insurance quotes over the phone and get covered.
Best for: Comparing graphic designer insurance quotes over the phone
Average cost: $30.52 per month
Our rating: 10/10
General liability covers lost income as a result of the claim
Commercial property insurance has business interruption coverage
Fast to issue quotes
Doesn’t underwrite cyber liability insurance for graphic designers
You can avail general liability, commercial property, and workers' compensation policies from Thimble’s graphic design insurance.
Thimble’s general liability insurance provides $1 million-$2 million coverage for each claim. You also get $5,000 medical payments coverage, $50,000 rented premises liability coverage, and $250 reimbursement for business income loss due to the claim for bodily injury or property damage.
This company’s commercial property insurance for graphic designers provides $500,000 building coverage. You get $100,000 coverage for business personal property and leased property. Thimble’s commercial property insurance also grants coverage against business interruption.
Best for: On-demand graphic design insurance
Average cost: $33.41 per month
Our rating: 9/10
Upgradeable liability policies
Professional liability insurance offers contingent bodily injury and property damage coverage
Enjoy a 5% discount if you buy two or more insurance policies
Doesn’t sell commercial property insurance as a stand-alone policy
Hiscox’s graphic designer insurance offers general liability insurance, professional indemnity insurance, and cyber liability insurance.
Your general liability insurance from Hiscox has a $2 million per occurrence limit with a $2 million aggregate. You can upgrade the policy and enjoy terrorism coverage, waiver of subrogation, equipment coverage, and non-owned/hired auto coverage.
Hiscox’s professional liability insurance offers a $1 million per occurrence limit with a $1 million aggregate. You can upgrade the policy to enjoy contingent bodily injury and property damage coverage.
The cyber liability insurance from Hiscox has a $250,000 per occurrence and aggregate limit. Upgrade this to enjoy media liability coverage.
Note that Hiscox also sells commercial property insurance. However, you can only avail this if you get its business owner’s policy for graphic designers.
Best for: Graphic designer cyber liability insurance
Average cost: $29.16 per month
Our rating: 9/10
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!