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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.
Also read:
Graphic designer insurance pertains to an insurance product that includes the following business insurance policies:
So who is eligible for graphic designers insurance? This is available if you’re a:
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:
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:
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:
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:
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:
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:
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.
Hospitalization
Hospital bills are covered by workers’ compensation insurance if you or an employee is admitted after sustaining a severe work-related injury or disease.
Lost Wages
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.
Medication
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.
Rehabilitation
Workers’ compensation insurance allows you or an employee to get rehab to recover from a work-related injury or disease fully.
Retraining
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.
Death Benefits
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:
In addition, auto liability coverage pays for the following costs that result from the accident that you’re responsible:
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:
You must know that physical damage coverage doesn’t take care of:
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.
Get all the best quotes from leading providers in a click of a button!
These are the best graphic design insurance companies. Read to know their pros, cons, and rate for a $1 million general liability insurance.
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
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
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
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
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
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
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