As a long-established insurer, we have vast experience of the risks facing designers. Our specialist insurance for designers provides expert cover for graphic designers, interior designers, web designers and other creative professionals.
An incorrect specification, a visitor slipping at your offices or the theft of a computer with expensive design software could have a serious financial impact on your business. Our designers insurance can give you the peace of mind that your business is covered against such risks and more.
Building your designers insurance policy is quick and easy. Our simple quote system will ask you about your design business and build a policy around it. You can choose to take all the covers quoted, or just some of them, so you will only ever pay for the cover you want.
Tailor your designers insurance with these covers
Professional indemnity insurance
covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you. This is vital insurance for all designers and cover is available with limits ranging from £50,000 to £5m.
Public and product liability insurance
covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. If you regularly visit clients, or clients visit your premises, you should give this cover some consideration. Limits range from £1m to £5m.
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. If your business employs staff, you are likely to need this cover. Cover for £10m.
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
We offer specialist insurance for designers working from home
Working from home does not come without risks. We offer a specialist homeworker policy, in addition to our 'office based' policy, that is designed to cover the risks facing home-based businesses. Few home insurance policies will include cover for any design work you conduct from home, so be sure to choose cover that will not leave your business exposed.
Our homeworker insurance policy can be tailored online to suit the individual needs of your business. You can choose from a range of liability covers and have the option of insuring your home office contents. We insure design businesses of all types and sizes, from new start ups to long established organisations, so you are guaranteed to find tailored cover that is right for your business.
Premiums start at just £5/month with the option to pay over 10 interest free instalments.