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Our specialist graphic designer insurance can offer comprehensive professional indemnity and public liability cover tailored to meet the needs of your business and the risks of the design industry.
As a graphic designer you will work with a variety of clients on all sorts of projects from illustration to typesetting, to brochure design, web design, videos and presentations. Your career requires technical skills and creative flair along with the ability to interpret a client brief to agreed objectives. If you miss your clients’ objectives you could find yourself the subject of a negligence claim.
From over 25 years as a specialist insurer, we offer unrivalled knowledge of the risks facing your industry.
Cover at a glance:
- Professional indemnity and public liability insurance for graphic designers
- Tailored packages designed to your needs, rolling in other insurances
- Legal expenses and cyber cover available
What is graphic designer insurance?
Graphic designer insurance includes a suite of covers to protect you and your business from the unforeseen. Our Professional Indemnity insurance for graphic designers provides essential cover for your business, whilst protecting the best interests of your clients by providing reassurance that should something go wrong, you have cover appropriate cover in place.
The policy will cover legal costs if a client is unhappy with your work and decides to make a claim against you for a financial loss they allege to have suffered as a result of the designs you produced for them. Whilst our public liability insurance will offer protection should a claim be made against you for property damage or injury to a third party.
Cover starting at
£8 a month*
*Price based on a graphic designer requiring £1 million of public liability insurance.
Why do graphic designers need insurance?
Graphic design work can face a wide range of risks, and because it is based on subjectivity it can be open to potential negligence claims. An incorrect illustration for a print job (Professional Indemnity insurance), a client injuring themselves during a visit to your premises (Public Liability insurance), or the theft of a computer containing expensive design software (Equipment insurance), could have a serious impact on your business. Our graphic designer insurance can offer your business specialist cover against these risks.
How do I arrange graphic designer insurance?
It’s straightforward to protect yourself and make sure you’re covered for most eventualities with our Professional Indemnity insurance for designers.
Getting a quote is quick and easy. Our simple quote system will ask questions about your business activities and offer you covers that may be of interest. You can tailor your policy by choosing to add all or just certain covers to it, so you will only ever pay for the cover you want.
Example policy documents
If you have an existing policy with us, please sign in to view your policy documents.
Below you will find examples of the documents provided.
Build comprehensive graphic designer insurance online with these covers
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Professional indemnity insurance
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 essential protection for graphic designers and insurance cover is available with limits ranging from £50,000 to £5m.
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Public and product liability insurance
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. Limits range from £1m to £5m.
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Employer’s liability insurance
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 other graphic designers, even on a part time basis, this cover is essential. Cover for £10m.
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Legal expenses insurance
Commercial legal expenses 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 for the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
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Directors and officers insurance
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.
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Office insurance
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.
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Occupational personal accident insurance
Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14-day deferment period) due to an accident at work, or when travelling to and from work. In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out. You should consider this cover if you would struggle to maintain an income following an accident that left you unable to work. Limits from £100/week to £500/week for temporary total disablement (£25k lump sum to £100k lump sum for permanent total disablement).
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Cyber and data risks insurance
Cyber insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber-attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients and their projects on computers and other internet connected devices, you should consider to this cover.
How it works
Choose the cover you require
Get a quote you need in minutes
Buy online or contact one of our advisors
How much does graphic designer insurance cost?
At Markel Direct, we offer graphic designers' insurance from £8 a month for £50,000 of professional indemnity cover. When it comes to insurance, the cost varies from business to business depending on;
- The size of your business - your turnover and whether you have any employees
- The level of cover you choose
- The types of projects you work on and the equipment you use.
To get a clearer idea of how much you’ll pay, simply get a graphic designer insurance quote online. You can buy all or just some of the covers quoted, so you will only pay for the cover you want.
Ready to build your quote?
Our simple quote process will help you to find the right business insurance for your individual needs.
Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
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What's the difference between professional indemnity and public liability?
Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.
Public liability insurance covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.
As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.
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I need to arrange insurance to start work - do you provide proof of cover?
Yes. We provide a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) as part of the documents that are emailed to you if you purchase your policy with us. You can present this document to agencies and clients as proof that you are insured.
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What limit of cover should I choose?
Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance, so you're sure to find the right cover for your business.
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Why should I choose Markel Direct's Insurance
Markel Direct has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.
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How are Markel Direct regulated?
Markel Direct is a trading name of Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
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